If you plan to ride out the storm in your home, make sure it is in good repair and up to local hurricane building code specifications. Many of these retrofits do not cost much or take as long to do as you may think. Have the proper plywood, steel or aluminum panels to board up the windows and doors. Remember, the garage door is the most vulnerable part of the home, so it must be able to withstand the winds.
Call your insurance company or agent and ask for an insurance check-up to make sure you have enough homeowners insurance to repair or even replace your home. Don’t forget coverage for your car or boat. Remember, standard homeowners insurance doesn’t cover flooding. Whether you’re a homeowner or renter, you’ll need a separate policy for it, and it’s available through your company, agent or the National Flood Insurance Program at floodsmart.gov. Act now as flood insurance requires a 30-day waiting period.
- FLASH Insurance Guide: If Disaster Strikes, Will You Be Covered?
- Find available coverage at floodsmart.gov
You’re going to need supplies not just to get through the storm but for the potentially lengthy and unpleasant aftermath. Have enough non-perishable food, water and medicine to last each person in your family a minimum of three days. Electricity and water could be out for at least that long. You’ll need extra cash, a battery-powered radio and flashlights. Many of us have cell phones, and they all run on batteries. You’re going to need a portable crank or solar powered USB charger.
The first thing you need to do is find out if you live in a storm surge hurricane evacuation zone or if you’re in a home that would be unsafe during a hurricane. If you are, figure out where you’d go and how you’d get there if told to evacuate. You do not need to travel hundreds of miles. Identify someone, perhaps a friend or relative who doesn’t live in a zone or unsafe home, and work it out with them to use their home as your evacuation destination. Be sure to account for your pets, as most local shelters do not permit them. Put the plan in writing for you and those you care about.