Hurricane Tips

Tips for Protecting Your Property

The American Red Cross and the Federal Emergency Management Agency recommend the following tips.

• Review your insurance coverage to make sure it is adequate, and familiarize yourself with any windstorm deductibles.

• Make an inventory of your possessions and store it off the premises. If your belongings are damaged, this list will help in filing a claim.

• Be sure trees and shrubs around your home are well trimmed and clear loose and clogged rain gutters and downspouts.

• Secure your property. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8” marine plywood, cut to fit and ready to install. Tape does not prevent windows from breaking.

• Install straps or additional clips to securely fasten your roof to the frame structure. This will reduce roof damage.

If Your Home Is Damaged in a Storm

• Be aware of personal and physical safety measures and comply with the orders of local emergency authorities.

• Notify your professional insurance agent as soon as possible. Secure your premises before evacuating. Once you have vacated the premises, make sure your agent knows where to contact you.

• Take pictures of damaged property and keep notes.

• Temporary repairs may be authorized to protect against further damage. Check with your agent or insurance company. Keep all receipts for work.

• Use pictures and inventory lists to help your agent and adjuster assess the damages.

• Don’t be rushed into signing repair contracts. Deal with reputable contractors. If you’re unsure about a contractor’s credentials, contact your claims adjuster, Better Business Bureau or Chamber of Commerce for referrals.