Living in the Northeast, particularly in areas like upstate New York, hurricanes may not be the most frequent concern, but recent weather patterns have shown that even this region is not immune to the impacts of strong storms. Homeowners in areas susceptible to hurricanes need to be proactive about preparation, and having the right insurance coverage is a crucial part of that process.
Weed Ross specializes in all things insurance, so we’ve put together an emergency guide on how to prepare your home for a hurricane from an insurance perspective. In this article, we’ll cover:
- What homeowners insurance covers
- Flood insurance
- Preparing your home for a hurricane
- Steps before filing a claim
- How we can help protect your home
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy typically covers damages caused by high winds, hail, and even some types of water damage. However, when it comes to hurricanes, it’s essential to dig deeper into the details of your policy. Here are the key areas to focus on:
- Wind Damage: Most policies will cover damage from hurricane-force winds, but it’s important to check your deductible for wind damage, which is often different (and higher) than your general deductible.
- Water Damage: While homeowners insurance generally covers certain types of water damage, it typically excludes flood damage caused by storm surges. You may need a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP).
- Additional Living Expenses (ALE): If your home becomes uninhabitable due to hurricane damage, ALE coverage can help pay for temporary living costs like hotel stays or rental homes while your property is being repaired.
Do You Need Flood Insurance?
Hurricanes often bring heavy rainfall and storm surges, which can cause significant flooding. It’s crucial to understand that most standard homeowners insurance policies do not cover flood damage. If you live in a high-risk flood zone or even a moderate-risk area, obtaining a flood insurance policy is a smart investment. Flood insurance will cover the structure of your home and your personal belongings if they’re damaged by rising water during a storm.
Preparing Your Home for a Hurricane
Being prepared goes beyond just having the right insurance; taking steps to mitigate damage can make a big difference in how your home fares during a hurricane. Here are some tips for protecting your home:
Reinforce Windows and Doors
Install storm shutters or use plywood to cover windows, and consider reinforcing garage doors, which are often a weak point.
Trim Trees and Secure Outdoor Items
Strong winds can cause trees to fall or send loose objects flying, so trim any dead or overhanging branches and secure patio furniture or decorations.
Roof Protection
Make sure your roof is in good condition, as it will bear the brunt of the storm. You might want to reinforce it with hurricane straps if you live in a high-risk area.
Backup Power: Investing in a generator can help keep your essential appliances running if the power goes out.
Steps to Take Before Filing a Claim
Before the storm hits, there are steps you can take to simplify the claims process if you suffer hurricane-related damage. Make sure to:
- Document Your Belongings: Take photos or videos of your home and your valuables for documentation purposes. This will make it easier to provide evidence for your claim.
- Review Your Policy: Before hurricane season starts, double-check the details of your coverage, including your deductibles and limits.
- Store Important Documents: Keep your insurance policy and contact information in a safe, waterproof location so it’s easily accessible if needed.
Weed Ross Can Help You Stay Protected
At Weed Ross, we understand that every home is unique, and so are your coverage needs. We’ll work with you to tailor a homeowners insurance policy that provides the right protection for hurricane-related risks, including comprehensive wind and flood coverage. Our team of experts can guide you through the process of evaluating your current policy, identifying gaps, and making sure you’re fully prepared for whatever storm comes your way.
By having the right home insurance and being proactive about preparation, you can safeguard your most valuable asset—your home—during hurricane season. Reach out to Weed Ross today to review your coverage and ensure your home is protected.
