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Tips and information on all types of property damage claims.

 

Have you prepared your Home for Storm Season?

Rick Tapanes - Thursday, April 23, 2015

A few steps you can take to protect your home from storms

If you are like most folks you wait until a storm is imminent to start making sure your home is secure. In many cases, by then, it is too late. Taking the time before hand to secure your home can bring you great peace of mind. If you are preoccupied that your home is not prepared for the punishment doled out by severe storms, here are some steps you can take to prepare. Imagine a storm is hitting now. Don't wait until you hear a hurricane, tornado or the mother of all storms is coming. What would you do to prepare? Do those things now! Take care of the things you can do beforehand so you don’t have to scramble to get them done at the last minute.

You don’t want to be in the long lines at the grocery store days or hours before a major storm. Dedicate a section in your pantry for water, dry goods and canned food for storm emergencies. At least three days' worth of food is recommended.

A generator is a good item to have on standby. But remember, fuel is NOT one of the things you should be stockpiling! Getting fuel is best left for the get last minute. If you are fortunate enough to live in an area that dodged a major storm, make sure to utilize the fuel you have, as it is hazardous to store for a prolonged period of time.

This is also a great time to check in with your insurance adjuster if you haven't thought about your homeowners insurance for some time. Hiring the services of a public adjuster to identify gaps in your coverage is a good idea. Especially when storm season gets closer. Before a disaster strikes is the time to sit down with your insurance adjuster to be certain you are properly insured. If you live in an area that has hurricanes and floods, it’s important to get the right type of insurance coverage. Most standard homeowners’ policies don't include flood insurance, flood insurance is provided through the National Flood Insurance Program and works differently from standard homeowners’ coverage.

Secure the house If your home is in the path of a hurricane or tornado, there isn't much you can do to truly protect it. Boarding up windows and doors if a huge storm is coming, may mitigate some of the damage but most often it can’t stop a direct hit by a violent storm. If time is short and it looks like a severe storm, then you're better off doing the following;

  • Gather family items and important paperwork
  • Secure and store all loose items outside your home
  • Prepare your shelter (where you will ride the storm out)
  • Know your evacuation route

Make a plan Know where to go when the storm comes. Some homes simply are not safe to remain in when the weather gets really rough. If you live in a mobile home you must find shelter elsewhere. Most municipalities will have designated shelters during such times of emergency. Make sure every family member knows plan and has access to emergency numbers. Everyone should be familiar with evacuation routes and know where you are meeting up if you get separated.

Tree Maintenance Trees are beautiful things, but those too close to your home during a storm can lead to a dangerous situation. Strong winds or a lightning strike can cause your favorite tree to come crashing through the living room window. If trees are touching your roof, trim those back. Don’t forget to check your yard for anything else that could cause damage. Keep debris out of your yard, and you can prevent minor damage from turning into major damage.

Guardian Adjusting can help you prepare to face serious weather, especially the violent storms and hurricanes that hit South Florida. We can make sure you are properly insured, guide you on storm preparation and safety, and be there to help repair your home if you experience property damage in a storm. Call us today to meet with one of our adjusters.


         
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