The Atlantic hurricane season officially starts on June 1st. However, now is the time to take steps to adequately prepare your home for a hurricane. Proper hurricane preparation requires a number of tasks, some of which require time, money, or both to complete. To make sure your home is ready for hurricane season, get started on the following tasks as soon as possible.
1. Consider Making Hurricane-Friendly Home Improvements to Fortify Your House
Thanks to advancements in technology, there are multiple home improvements that will make your home more likely to withstand a hurricane. These improvements are as comprehensive or as simple as you want them to be. Start with your door. You can swap your current door for a model designed to withstand high winds, or you can strengthen your existing door by anchoring it to your home's frame.
Next, tend to your roof, as it is especially vulnerable to high winds. Once your roof incurs damage, it is easier for water to penetrate your home. Outfit your roof with hurricane straps. Hurricane straps attach your roof to the frame of your home.
Once the clips are on your home, it will take more pressure to remove the roof from your home. Sturdy steel comprises the straps to maintain optimal durability. They also come in an assortment of strengths so that you can properly reinforce the roof of your home.
Windows are extremely hazardous during a hurricane, thanks to the danger of flying glass and debris. Gather the supplies to cover your windows when a hurricane is approaching. If you have everything ready ahead of time, you can board up your windows in under an hour when a storm is approaching.
Cut a piece of plywood to cover each window in your home. Outfit each plywood piece with window clips designed to withstand severe weather. Then, use the clips to wedge the plywood into position so that it protects your window.
2. Examine Your Insurance Coverage
Now is the time to call your insurance company and make sure that your insurance policy covers you in the event of a hurricane. One mistake that some homeowners make is assuming that their normal home insurance policies will cover all of the damage caused by a hurricane. Most likely, you need to add a rider to your policy that covers damage caused by flooding.
Once you know that you have the correct policies for a hurricane, it is time to review your coverage. Make sure that your coverage is enough to rebuild or repair your home in its current state. If you have made improvements to your home since you initially took out the policy, your original coverage may not be sufficient.
You should also ask for details concerning the deductibles for your insurance policies. Some policies have different deductibles for damage caused for wind or hail. Make sure the deductible fits your budget. Ideally, you should have the full amount of your deductible in an emergency fund.
If you feel your deductible is too high for your financial situation, you may have the option to lower it. But keep in mind that lowering your deductible will result in a higher insurance premium.
3. Clean Up Your Yard
The high winds from a hurricane can take down damaged branches or trees with ease. Inspect the trees in your yard to see if any are unhealthy. If they are, remove them before storm winds knock them onto your home or into a neighbor's yard.
Give the branches a thorough examination as well. Overgrown branches are more likely to snap during extreme weather. Have a reputable tree company trim your branches to the appropriate lengths.
You should also make sure that your gutters are free of debris. This permits storm-related precipitation to properly drain away from your home.
Worried that your home does not have the proper insurance to survive a hurricane? Contact us at Advanced-Insurance.Net today for a free quote and to review your present insurance coverage.