The 2020 hurricane season has already started and NOAA (National Oceanic Atmospheric Administration) has predicted an above-normal Atlantic Ocean season. The Atlantic hurricane season runs from June 1 through November 30, 2020. NOAA’s Climate Prediction Center is forecasting a likely range of 13 to 19 named storms, of which 6 to 10 could become hurricanes, including 3 to 6 major hurricanes (Category 3, 4 or 5)
Are you prepared in the event of a hurricane? Here are some tips that might help.
1. Plan an evacuation route ahead of time
If you live in a coastal area and have to evacuate it’s a good idea to have a plan already in place. Your local government may likely provide you with emergency management instructions in the event of a evacuation. Check with your local town or city’s website that may provide you with information if an evacuation is ordered.
2. Take an inventory of your personal property
In the event of a hurricane or major disaster, would you be able to remember all of your possessions? Having an up-to-date home inventory list will help you get an insurance claim settled faster. Keep receipts, owner manuals, taking photos & videos of your possessions are also very beneficial.
3. Review your insurance policies
It’s a good idea to make sure your insurance policies are current and coverages have been reviewed. Understanding all the coverages under an insurance policy can be overwhelming and you want to make sure you have the coverage you need in the event of a hurricane. Many insurance policies contain specific coverage and/or deductibles that apply in the event of a named storm. Consult with your insurance agent or professional to explain these coverages.
4. Take steps to protect your home
Winds from a hurricane can turn ordinary yard furniture into a projectile. Secure all outside items in your yard and bring them indoors if possible. Hire a tree service to prune or cut old and unhealthy looking trees and branches that could cause damage to your home from hurricane-force winds. Research hurricane shutter systems or plywood shutters to cover all glass window and door openings on your home.
5. Keep a non-perishable emergency supply
When a hurricane watch or warning is issued people rush to the stores for supplies. Keeping non-perishable items on hand is always a good idea to avoid not having them when you need them. Hurricane winds can leave a home without power for days or even weeks, so making a list of items you will need is key. Examples include: Extra batteries, candles, flashlights, matches, drinking water, portable generators, extra gasoline, non-perishable food items (canned goods), extra medications, first aide supplies, portable radio.
Being prepared in the event of a hurricane is one of the best ways to mitigate damages, help stay informed and keep you safe. Please contact our office if you would like a review of your insurance policy. We here at Massad Insurance Agency are ready to help!
"Insurance is like a lifeboat...you must carry it when you don't need it, in order to have it when you do."