Home Home insurance Disasters How to prepare for a hurricane How to prepare for a hurricane Written by: Marjorie Musick | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on August 7, 2020 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. A quiet hurricane season can lull us into complacency, but it’s important for homeowners in hurricane-prone areas to stay on top of weather reports and their insurance policies. “It’s important to keep in mind that even one major hurricane can do catastrophic damage and it’s important to be prepared just in case one strikes,” says Bonnie Schneider, national television meteorologist and author of “Extreme Weather.” Here are tips from insurance and weather experts on surviving a hurricane season. 1. Have emergency supplies stocked year-round If you have a flashlight, water, a first aid kit and batteries stashed away for emergencies, and think you’re ready for the next disaster, you’re not alone. You’re also not fully prepared. Just three in 100 people have all the emergency kit supplies recommended by the Federal Emergency Management Agency (FEMA), according to a survey of 1,000 adults commissioned by Insure.com. Dust masks, plastic sheeting, and whistles are the least likely items to be on hand, according to our emergency-preparedness survey. 2. Prepare for flooding Flood insurance is increasingly important coverage, even if you don’t live along a coastline. Flood insurance isn’t usually part of a homeowners policy. So, you need a separate flood insurance policy. Jeffrey O’Connor, vice president at Cleveland-based Alex N. Sill Adjustment Co. and president of the national association of public insurance adjusters (NAPIA), says Stormstorm Sandy produced its highest winds in Cleveland — not along the east coast. “It seems like no place is safe recently,” says O’Connor. “We all know the coastal areas of the south and southeast are most susceptible to hurricane damage of flooding and wind, but it is not uncommon to have hurricane-force winds extending hundreds of miles inland. Remember that a hurricane often brings with it large amounts of rain even hundreds of miles away from the coastal area it originally strikes. Rivers, streams, and creeks can overflow, causing tremendous damage.” Homeowners should also know that there’s a difference between wind and water damage if the water comes as a flood, says Ray Altieri Jr., president at Tampa-based Altieri Transco American Claims Corp. “Carriers have been very reluctant to mesh the two types of damage together on claim payments, so property owners must insure the perils of wind and flood separately and adequately.” says Altieri. 3. Know what your current home insurance policy covers Don’t assume your homeowners insurance policy will cover hurricane damage. Christie Alderman, vice president of product innovation and development at Chubb Insurance, says some insurers offer “named-peril” policies, meaning they cover only the perils listed in the policy, such as fire and theft. 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See more > Americans say they have these essentials of disaster kits:Garbage bags: 91 percentBatteries: 91 percentFlashlight: 91 percentDuct tape: 81 percentWrench or pliers: 80 percentManual can opener: 80 percentFirst aid kit: 79 percentCellphone with charger, inverter, solar charger: 79 percentA three-day supply of non-perishable food: 66 percentMoist wipes: 58 percentBattery powered or hand-cranked radio: 53 percentLocal maps: 54 percentGallon of water per person for at least three days for drinking and sanitation: 43 percentDust masks: 35 percentPlastic sheeting: 33 percentWhistle to signal for help: 25 percentPeople are better prepared for fires, as most have working fire extinguishers (74 percent) and smoke alarms (95 percent).Source: Insure.com. Based FEMA’s recommendations for emergency supplies. An “all-risk” policy will give you more protection. “Chubb’s Masterpiece policy is an ‘all-risk’ policy and will respond to most weather events,” says Alderman. “However, some coverage, such as coverage for flood, must be purchased separately.” 4. Obtain additional insurance coverage if needed Once you figure out what your current policy covers, you’ll have a better understanding of what it doesn’t cover. This is the first step in deciding whether you need hurricane insurance for storm damage that won’t be covered by your homeowners policy. “I recommend that homeowners discuss their policy coverage with their agents once a year, even if nothing has changed. The renewal period is the best time to do that because the topic is fresh on everyone’s mind at the time. Policyholders should review their renewal package and be sure to question their agent about any changes that are proposed for the new year of coverage, so they have a general understanding of matters. Homeowners also need to be aware that any changes to the property should be reported to their agent to be sure coverage is not altered in any way by a property’s physical or occupancy change,” says Altieri. 5. Put money aside for insurance deductibles Weather-related insurance claims typically require that you pay your deductible toward the damage. Alderman says you should know how much that deductible will be and put that money aside in savings just in case you need to file a claim. She also notes that your deductible for hurricane, hail or wind could be different from your standard homeowners deductible. For example, your policy might require a 2 percent deductible for wind but a flat $1,000 deductible for theft. Always check your policy’s current declarations page in case your insurer changed your deductible at renewal time. Alderman also suggests checking with your agent to see if the insurance company provides loss-prevention services like home appraisers who can provide guidance on how to protect a home from a wind event. 6. Prepare your home for severe weather Making some repairs in advance may help your home withstand storms better than if your home is already in need of maintenance. Alderman suggests that homeowners trim their trees and consider removal or review by an arborist if there are any trees within falling distance of the home. Other tips include checking for loose shingles, cleaning gutters, and downspouts, and installing storm shutters and/or impact glass on all openings around the home. “If your home does not meet current construction industry standards, some simple modifications can help to reduce property loss in the event of a hurricane,” says Alderman. 7. Be ready to evacuate Whether by choice or by government order, many extreme weather situations require residents to evacuate their homes. A few preparations in advance can make this process a lot easier on everyone. Alderman suggests that you make arrangements for your automobile, boat, pets, and valuables before the storm hits. “Have an evacuation plan and knowledge of local evacuation routes and shelters. Prepare medicines, important papers (in Ziploc or Tupperware container) and phone numbers, including your insurance information, and fill your car with gas,” says Alderman. Insure.com’s emergency-preparedness survey revealed that 60 percent of Americans don’t have a designated emergency meeting location for their families. Ninety-six percent said their spouse has a cellphone, but 16 percent don’t know the number without looking it up. 8. Know others’ plans You may be prepared, but what about others? Does your workplace have a disaster plan? Does your child’s school have a plan? Will they “shelter in place”? Disasters can strike when your family members are not under your control. Find out what plans are in place for other locations. 9. Track the weather During storms, it’s critical to tune in to your local radio, television station or NOAA weather channel to keep track of the hurricane’s progress and location. John Marini, chief operating officer and vice president at Utica-based Adjusters International, also suggests that residents in tornado alley consider purchasing NOAA weather radios. “These individual warning devices can really come in handy during the night when most people are sleeping and have their televisions off,” says Marini. 10. Make a home inventory before a storm strikes Taking pictures and/or videos of every room in your house will help you create a record of your belongings if your home is destroyed in a hurricane. The National Association of Insurance Commissioners (NAIC) app lets homeowners photograph and capture images, descriptions, bar codes and serial numbers, and then stores them electronically for safekeeping. If you’d rather have a hard copy, the NAIC has a printable inventory checklist you can fill out. “It’s important to have evidence of what your house and possessions looked like before the storm. Then you will also need to take photographs or video of the damage as soon as you can after the hurricane strikes and to continue to take photographs or video if the loss conditions worsen. Keeping detailed records both before and after the hurricane is critical when filing an insurance claim,” says O’Connor. More than half of people surveyed by Insure.com (65 percent) said they don’t have a complete inventory of everything in their house. Of those that do keep an inventory, most (25 percent) keep a paper copy, a digital copy was next popular (14 percent) and 9 percent are betting on their memory by storing the information “in my head.” Making a home inventory is part of good financial planning: You won’t make a home insurance claim for items you don’t remember you had. Among those with an inventory, 79 percent keep it at home and 21 percent store their inventories elsewhere. Of those who keep their home inventory outside of the house, 31 percent have a family member safeguarding it and 18 percent stash it at work. Insurance help after a storm Make sure that you’re consulting experts once it’s time to make repairs to help determine whether the hurricane damage was caused by wind or water. A public insurance adjuster can help you organize, submit, and track your claim. “That can be a very gray area but a certified engineer or a reputable public adjusting company can help,” says Damon Faunce, owner of Philadelphia-based Faunce & Associates. To find a reputable engineer or public insurance adjuster, Faunce suggests visiting the National Society of Professional Engineers and the National Association of Public Insurance Adjusters. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? 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Put money aside for insurance deductibles 6. Prepare your home for severe weather 7. Be ready to evacuate 8. Know others’ plans 9. Track the weather 10. Make a home inventory before a storm strikes Insurance help after a storm Get instant quotes now ! Please enter valid zip Get quote