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Understanding the hurricane threat
Living near the coast means being aware of the challenges posed by hurricane season, which runs from June to November. Each year, communities along the Atlantic and Gulf Coasts brace for severe weather conditions characterized by high winds and torrential rain. As climate change intensifies these storms, it’s crucial to be prepared. The recent announcement about potential cuts to FEMA services raises concerns, making personal preparedness even more vital. Fortunately, experts have shared valuable insights on how to secure your home against these destructive forces.
Consult your insurance policy
Before a hurricane strikes, reviewing your insurance policy is essential. Much like having a trusty doctor in times of health issues, understanding your coverage before the storm hits can save you a lot of trouble later. Mike Fiato, a claims officer at Allstate, emphasizes the importance of knowing your deductible and considering flood insurance, regardless of your area’s risk level. Flooding is a common consequence of hurricanes, making it wise to protect your home against water damage.
Document your home’s condition
One effective way to prepare for future insurance claims is by documenting your home’s condition. Instead of meticulously recording every item, consider doing a quick video walkthrough of each room. This method is efficient, and storing the video in the Cloud or a waterproof bag can safeguard it from damage. Capturing your home’s state before a storm can be invaluable when assessing any damage that occurs.
Strengthening your home against storms
Even new constructions can have vulnerabilities that need addressing before hurricane season. Protecting your home is not just a matter of convenience; it can significantly reduce potential damage and provide peace of mind. Start with the windows, which are often the easiest elements to fortify. You can board them up or install storm shutters well in advance. Don’t forget the garage door; reinforcing it can prevent dangerous pressure build-up during high winds.
Roof maintenance is crucial
Your roof plays a vital role in protecting your home from the elements. Inspecting it for loose shingles or tiles is essential, as these can become hazardous debris during a storm. Fiato advises homeowners to have their roofs checked and repaired, particularly in hurricane-prone areas. If you live in such a region, ask your contractor about installing hurricane straps for added stability.
Safeguarding your landscape
While landscaping might seem less critical in hurricane preparations, it can significantly impact your home’s safety. Loose branches or small trees can become dangerous projectiles in high winds. Take the time to trim dead branches and secure any outdoor furniture that could be swept away. Ensuring that nothing in your yard can become a missile during a storm is a straightforward yet effective measure.
Managing water flow and drainage
Addressing potential water flow issues around your home is crucial. Once rainwater hits the ground, it follows the path of least resistance—often towards your foundation. Regularly check your gutters to ensure they’re clear and that water is directed away from your home. If you have a sump pump, test it before the storm season, and consider installing a backflow preventer if your area is prone to flooding. Taking these steps can prevent significant water damage and costly repairs.