Florida’s Gulf Coast is no stranger to hurricanes. Each year, residents face the possibility of tropical storms that can cause everything from minor property damage to devastating loss. Whether you’re a long-time homeowner or new to the area, taking proactive steps before a storm can make all the difference in protecting your home, your belongings, and your loved ones. Here are 10 essential steps to prepare your home this hurricane season.
- Review Your Insurance Coverage: Start by reviewing your homeowner’s insurance policy to ensure it includes hurricane and windstorm coverage. Most standard policies do not cover flood damage, so you may need a separate flood insurance policy, especially if you’re in a flood-prone area. Understand your hurricane deductible, which is often higher than your standard deductible. Knowing what’s covered—and what’s not—can help you avoid surprises after a storm.
- Secure Windows and Doors: Windows and glass doors are particularly vulnerable during hurricanes. Prepare your home by installing storm shutters or have pre-cut plywood ready for quick installation. Reinforcing doors—especially garage doors—helps prevent wind from entering and potentially lifting your roof. Although newer homes are built with impact-resistant windows and doors, if you live in an older home in a high-risk zone, you should consider upgrading these features.
- Clear Your Yard: High winds can turn outdoor items into dangerous projectiles. Trim tree branches and shrubs, and bring in patio furniture, potted plants, garden tools, and other loose objects. Doing this ahead of time can significantly reduce the risk of damage to your home and surrounding properties.
- Inspect and Protect Your Roof: Your roof is your home’s first line of defense. Inspect for loose or damaged shingles, tiles, or flashing. Make necessary repairs, and consider adding hurricane straps or clips to reinforce the connection between your roof and the walls of your home. A well-secured roof is less likely to suffer serious damage during a storm. If you have recently installed a new roof, be sure to tell your insurance company. You may be eligible for a significant discount.
- Anchor Outdoor Structures: Don’t forget about sheds, gazebos, fuel tanks, and satellite dishes. These items should be securely anchored to prevent them from being lifted or blown away. If you have a propane tank, follow manufacturer instructions or local guidance on how to safely shut it off before a storm.
- Seal Gaps and Cracks: Inspect doors, windows, vents, and your foundation for cracks where water could enter. Use caulk and weather stripping to seal gaps. Keeping wind and water out of your home can help reduce interior damage and mold growth following a storm.
- Prepare for Power Outages: Power outages are common after hurricanes. Install surge protectors for electronics and have flashlights, batteries, and power banks charged and ready. If you have a generator, ensure it’s in good working condition and stored safely. Never run generators indoors or in enclosed spaces.
- Assemble an Emergency Kit: Your hurricane supply kit should include at least 3 days of non-perishable food and water for each person in your household. Have medications and a first-aid kit prepared, and keep flashlights, batteries, hygiene items, and cash on hand. Store important documents in a waterproof container or a safe. Don’t forget to include supplies and needed medications for pets as well.
- Know Your Evacuation Plan: Familiarize yourself with your local evacuation zone and routes. If an evacuation is ordered, leave early to avoid traffic and ensure your safety. Plan ahead for lodging, pet accommodations, and communication with family members.
- Document Your Home and Belongings: Take photos or videos of your home and valuables before a storm hits. This documentation will be invaluable if you need to file an insurance claim. Be sure to include serial numbers and receipts if possible.
Prepare Your Home, Prepare Your Policies
At Anderson & Associates Insurance Group, we help Florida homeowners to prepare, respond, and recover from all types of catastrophic events. If you have questions about your coverage or want help reviewing your policy before a storm, don’t wait. Contact us today to ensure you’re protected this hurricane season.
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