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This article was originally published on our site in the year 2000. Given recent events, it is as timely as ever.

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Tips To Make Sure That You Are Not Blown Away By A Hurricane

Homeowners should take preventative measures to minimize the financial damage suffered before and after a hurricane strikes.

The first step is to review your homeowner's insurance policy. It is important that you are aware of your home's specific policy coverage. Although hurricane damage may be covered under a standard homeowner policy, the resulting flood damage is not. You may want to purchase a flood insurance policy. You may also want to prepare a disaster plan.

Prepare an updated home inventory list of possessions. Either take pictures or use a video camera to take inventory of items in every room of your house. Also, keep retain receipts of expensive items that you have purchased and store this information in a safe deposit box or other secure facility. In the event of a catastrophe you will be able to use these information when filing your claim.

Prepare your home for high winds by boarding up windows. Also secure any items that have the potential to be blown around and become projectiles in high winds such as satellite dishes, antenna, lawn ornaments, etc. Either move these items inside your home or make sure they are secured outside. Prepare trees by removing dead or diseased limbs; also be weary of large overhanging trees as they have the potential to be uprooted in high winds. Move cars, motorcycles, or boats inside the garage. Make sure to shut off gas and electrical lines. It is also suggested for anyone living in a mobile home to check tie downs and leave immediately in the event there is a hurricane reported.

Individuals that rent a house or apartment may want to look into purchasing a renters insurance policy to protect their possessions.

After a hurricane return to your home and inspect the damage. Check for dangling or loose power lines and report this information to the authorities as soon as possible. Also be on the alert for broken gas or sewer lines.

Make temporary repairs to your home to prevent further damage. Do not begin making permanent repairs until after an adjuster has surveyed the damage to your home. Remember to keep all receipts for any repairs made. If possible take pictures and create an inventory list of all damaged property. Contact your insurance agent or company immediately and establish a contact number or place where you can be reached. Be careful not to throw damaged items before the adjuster arrives.

Also be on the lookout for displaced animals, snakes, and insects when you return home.

Sources Cited:
Federal Emergency Management Agency (FEMA)
Insurance Information Institute
Insure.com

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