Here’s what homeowners can take away from this year’s hurricane season.
For many homeowners, usually those on the east coast, hurricanes are simply one of the risks they face every year. Most recently, Hurricanes Florence and Michael ripped through many communities, leaving a path of destruction in their wake. While the physical and emotional damage caused by Florence is undoubtedly devastating, we can all learn from this situation. Here are some of the things that homeowners should take away from Hurricanes Florence and Michael.
There’s No Such Thing as Too Prepared
When you are dealing with a natural disaster such as a hurricane, you can never assume your safety. Major storms can quickly change course, suddenly putting unassuming homeowners at risk. This is why homeowners need to be prepared at the first signs of danger. For instance, if there is a hurricane or tornado warning in your general vicinity, make sure you are ready to react at a moment’s notice. This means gathering emergency supplies and having an emergency response plan in place. If you don’t already have a plan, create one with your loved ones. Your plan should detail the following:
- What to do in the event of an evacuation
- How to maintain contact with loved ones
- Where to meet if you are separated during an evacuation
- Where you will go to wait out the natural disaster
- When you will return after the danger has passed
- How you will recover if your home has sustained damage during the event
Once you have made your plan, run through it several times with your loved ones. This will reveal any gaps in your planning and will also ensure that your family knows what to do during a real emergency situation.
Check, and Double Check Your Insurance Coverage
Sadly, many homeowners learned the hard way that they did not have enough homeowners insurance coverage to address the full extent of the damage caused by Hurricanes Florence and Michael. To prevent this from happening to you, you need to review and update your homeowners insurance coverage regularly. At least once a year, adjust your coverage amounts to account for inflation, increasing property values, and higher materials and labor costs.
Many homeowners affected by Florence and Michael suffered because they did not have the right coverage to address their flood damage. This is because flood coverage can only be secured with a specialty policy. To ensure that you have the proper coverage to address all the risks that your home faces, make sure to speak to your insurance agent about specialty insurance today.
These are some of the things that Hurricanes Florence and Michael taught homeowners everywhere. Are you looking for assistance with your home’s coverage needs? If so, contact us at Patterson & Associates in Richardson, Texas. We are ready to get you the coverage you need today.