It’s never too early to prepare
Hurricane season doesn’t officially begin for several months, but for folks living in danger areas – like South Florida – it pays to get ready sooner rather than later. If you’re planning to do some spring cleaning around your home, think about adding these things to your to-do list:
Check out all doors and windows
It’s possible that you have a cracked or broken window in your home and don’t realize it. When a storm hits, not only will this let rain in, it will also increase pressure inside of your home. Your best bet is to install storm shutters. As for doors, it’s important that they have strong locks like deadbolts so they will remain closed.
Don’t forget your garage
The garage is one of the most vulnerable parts of a home, but many people forget about it when a hurricane approaches. Because most garage doors aren’t reinforced, this allows wind to get inside. This results in a positive push while the wind outside creates a negative pull, which can lead to roof damage or loss. Most hardware stores sell DIY kits to shore up your garage door.
Do some landscaping
Often the most damage from a hurricane is caused by trees falling on houses and cars. If you have tall trees with long branches, be sure they get a trim. Any dead trees or branches should be removed.
Fortify your roof
Because your roof is going to get the brunt of the storm, you need to know that it will be able to hold up. If you haven’t taken a close look at your roof in a while, now’s the time. If you don’t feel comfortable going up there, talk to a roofer. Loose shingles or tiles need to be secured, and if any are missing, they should be replaced. You may also want to think about hurricane straps, which fasten the roof to your home.
Update your home inventory
If the worst happens and your home is severely damaged, it will be much easier to file a claim with your insurance company with a prepared inventory of everything that was lost. With an inventory – which should be kept in a safe place like a safety deposit box – you won’t have to worry about remembering everything.
Review your homeowner’s insurance
It’s vital that you know exactly what your homeowner’s insurance covers and what it doesn’t. For example, you won’t be covered for flood damage unless you have a separate flood policy. It’s always a good idea to speak with your insurance agent to see what gaps you may need to fill.
Hurricane season will be here before you know it, so you should make sure your home is protected before the winds start blowing. If you have any questions about what kind of insurance is best for your home, just get in touch with Avante Insurance. Our experts will give you the information you need to keep you and your family safe. Contact us today.