Are You Prepared For Hurricane Season?
Hurricane season officially started on June 1, 2015, and although it has been a while since a major hurricane hit Florida, you still need to be prepared. Most homeowners in Florida wait until there is a threat of an actual hurricane before they start to gather up supplies. However, it is best to avoid a last minute scramble and be prepared before the threat of a hurricane is at your front door.
The American Red Cross recommends the following basic supplies:
- Water: one gallon per person, per day (3-day supply for evacuation, 2-week supply for home)
- Food: non-perishable, easy-to-prepare items (3-day supply for evacuation, 2-week supply for home)
- Flashlight
- Battery-powered or hand-crank radio (NOAA Weather Radio, if possible)
- Extra batteries
- First aid kit
- Medications (7-day supply) and medical items
- Multi-purpose tool
- Sanitation and personal hygiene items
- Copies of personal documents (medication list and pertinent medical information, proof of address, deed/lease to home, passports, birth certificates, insurance policies)
- Cell phone with chargers
- Family and emergency contact information
- Extra cash
- Emergency blanket
- Map(s) of the area
Also, while it is imperative that you have these survival supplies, you also need to make sure that your homeowner’s insurance policy covers you for water damage. Most people assume that their insurance policy provides this type of coverage, however many are surprised to learn after a loss that their claim is not covered.
Insurance companies sell more “affordable” policies that limit the circumstances under which the company will provide coverage. While these cheaper policies seem appealing at first, many people will find that they end up being quite expensive when their claim is denied for lack of coverage.
If you have any doubts or concerns about whether your insurance policy provides you with the coverage that you need, please contact us for a free consultation and review of your policy.
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