When hurricane season rolls around, it brings more than just fierce winds and heavy rain—it delivers potential disruptions to your home, finances, and peace of mind. But with just a few strategic moves, you can safeguard your most valuable assets and possibly save hundreds, if not thousands, of dollars in the process.
Here’s how being prepared ahead of time can significantly reduce stress and expense.
Imagine needing your insurance papers or ID immediately after a storm, only to find them waterlogged or missing. Store vital documents—like your birth certificates, property deeds, insurance policies, and passports—in a waterproof, fireproof safe that’s elevated above potential flood lines.
Pro Tip: Digitally scan and back up key documents to cloud storage for remote access.
If the internet goes down, how will you get critical updates? A battery-powered or hand-crank emergency radio can be a lifesaver when traditional communication channels fail.
Pro Tip: Download storm-tracking apps that offer offline alerts or text-message notifications—so you stay in the know, even in the dark.
Broken windows and doors are among the most common causes of hurricane damage—and they can let in wind and water that devastates interiors. Install storm shutters or impact-resistant windows if possible. At the very least, reinforce existing frames with storm bars or plywood.
Pro Tip: Consider financing options for upgrades like storm shutters if cost is a concern.
Power outages can last for days, and spoiled food quickly becomes both a safety issue and an added expense. Before a storm hits, set your refrigerator and freezer to their coldest settings. Group food together to help items stay cold longer, and keep doors closed as much as possible.
Extra Step: Freeze containers of water to create ice packs that extend cooling time.
Our dependence on smartphones and other electronic devices means having a plan for power is essential. Fully charge all devices before the storm hits and keep backup chargers or power banks on hand.
If possible, invest in a solar-powered or gas-powered generator to maintain critical systems like refrigeration or medical equipment.
This is one of the most overlooked yet crucial steps. Many standard home or renters insurance policies don’t cover flood damage or wind-driven rain unless specified. Review your policy now—before you need it.
Ask your provider:
Walk through your home and ask: “Is everything here storm-ready?” Check for loose gutters, clear drains and downspouts, and trim back tree limbs that could damage your property. Move outdoor furniture or equipment inside or secure it.
This simple checklist could prevent costly damages that are avoidable with a little forethought.
Time to Talk Protection and Planning
Still unsure about your coverage? Considering upgrades like a generator or storm shutters but need help financing? Now’s the perfect time to talk through your options with a professional. Don’t wait until a storm is already on the radar.
Taking action today could mean fewer headaches—and fewer bills—tomorrow.
Need to review your home’s coverage or finance upgrades like a generator or storm shutters? Let’s talk about your options.
1. What documents should I keep safe during hurricane season?
Birth certificates, IDs, insurance policies, property deeds, medical records, and emergency contacts.
2. Can I use a regular window for hurricane protection?
Standard windows should be reinforced or covered with storm shutters or plywood. Impact-resistant windows offer superior protection.
3. How long will food last in the fridge without power?
Typically, food remains safe for up to 4 hours in the fridge and 48 hours in a full freezer—if doors are kept closed.
4. Is flood damage covered under homeowners insurance?
Usually not. Flood insurance is typically a separate policy purchased through FEMA’s National Flood Insurance Program or private insurers.
5. How can I afford storm preparedness upgrades?
Financing options like home improvement loans, HELOCs, or insurance-linked credit solutions may be available through your provider or financial institution.
We hope this article was of value to you. For more great tips, bookmark our site and for all your mortgage needs, visit Team Tina at TMFFMS.
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