Hurricanes. Wildfires. Floods. Blizzards. No matter what time of the year it is, there's always a chance of severe – and potentially dangerous – weather. That's why it's essential to have a well-thought-out game plan for the safety of you, your loved ones, and your property.
From safeguarding yourself and your family to securing your belongings and having the right insurance coverage, here's how to be prepared and protected.
How to protect yourself and loved ones
Stay informed
Regularly check weather forecasts and subscribe to local weather alert systems. Modern technology provides real-time updates that can give you crucial minutes to act. Download and set up emergency alert apps on your smartphones. These apps can provide updates on severe weather and offer tips on how to stay safe.
Create a family emergency plan
Designate a safe meeting spot both within your home and outside in case you need to evacuate. Establish a communication strategy for staying in touch with family members. Ensure everyone knows how to reach each other if phone lines are down.
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Emergency kit
Prepare an emergency kit with essentials like non-perishable food, water, medications, first aid supplies, flashlights, batteries, and a portable phone charger. Keep it in an easily accessible location.
Sheltering in place
Identify the safest areas in your home, such as a basement or an interior room on the lowest floor, away from windows. These areas offer the best protection during storms and tornadoes.
Consider investing in a storm shelter or reinforced room for tornadoes and high winds. Ensure that all household members know where this is and how to get there quickly.
How to protect your possessions
Secure your home
Install storm shutters or board up windows to protect against flying debris and high winds. Reinforce doors and garage doors to prevent them from blowing open.
Roof and gutters
Regularly inspect and maintain your roof and gutters. Ensure they are debris-free and in good condition to handle heavy rains and winds.
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Protect valuables
In flood-prone areas, elevate essential items and valuables above potential water levels. Use waterproof containers for important documents and sentimental items. Store digital copies of important documents, such as insurance policies and personal identification, in a secure cloud service or off-site location.
Understanding proper insurance coverage
Homeowners Insurance
Regularly review your homeowners insurance policy to ensure it covers damage from severe weather events such as storms, hurricanes, and tornadoes. Verify that your policy includes wind and hail damage, especially if you live in a region prone to such events.
Flood insurance
Standard homeowners insurance often does not cover flood damage. Consider purchasing a separate flood insurance policy, particularly if you live in a flood-prone area.
Renters insurance
For renters, ensure your policy covers personal belongings in the event of weather-related damage. This can include damage from wind, hail, and floods.
Auto insurance
Ensure your auto insurance policy includes comprehensive coverage, which can protect against weather-related damage such as hail, flooding, and falling debris. Consider adding roadside assistance to your policy for help with vehicle-related issues during severe weather.
Preparing for severe weather involves more than just having a plan; it's about staying informed, protecting your home and possessions, and understanding your insurance coverage. By following these guidelines, you can have peace of mind knowing that you're protected when severe weather strikes.
At Roehr Insurance, we are committed to helping you navigate these risks with confidence. Contact us today to review your insurance coverage and ensure you're protected against severe weather.
