Hurricanes can leave you vulnerable to major losses, as most home and business insurance policies will not cover flooding from certain storm circumstances. Hurricanes typically stretch 300 miles, so the spread of damage can be drastic. Storm preparation starts with making sure you have a flood insurance policy in addition to your homeowner’s insurance or business insurance to ensure that they are properly protected. In addition, there are other steps you can take to increase your safety and decrease your losses. Here are some key tips to keep in mind before, during, and after a storm.
Before a Hurricane:
Build or restock an emergency preparedness kit. Be sure to include key items like a flashlight, batteries, cash and first aid supplies.
Bring in items, such as outdoor furniture, that the wind can blow away.
Have drinking water ready for use.
Be sure to keep your primary vehicle in good working condition and keep the gas tank full. Stock it with emergency supplies and a fresh change of clothes.
Plan how to communicate with family members if you lose power – even consider building an emergency communication plan.
Turn off propane tanks and unplug small appliances.
If you are outside, move to higher ground and do not walk, swim or drive through floodwater.
If power is lost, be sure to use a flashlight. Using candles can pose an unnecessary fire risk.
Turn your refrigerator or freezer to its coldest setting and open it only when necessary. If you lose power, this could help preserve your food supplies.
Watch or listen to a TV or radio for the latest weather updates or emergency instructions. Many city or county websites also often supply updates every 30 minutes or so.
After a Hurricane:
Avoid walking or driving through floodwaters. Just six inches of moving water can knock you over and fast-moving water can sweep your vehicle away.
Avoid any floodwater that may be electrically charged from underground or downed power lines. In addition, be extra vigilant as floodwater could be hiding dangerous debris and areas where the ground has washed away.
Only return home when authorities indicate it is safe. Be sure to keep in touch with friends and family so they know that you are safe.
Enduring the storm is only half the battle. As an independent agency, we’re prepared to help our clients recover if they need to make a flood, personal, or commercial insurance claim.
Monday through Friday: 8AM-5PM
Evenings and weekends available by appointment
Please be aware that no coverage can be bound and no changes can be made to your insurance program until confirmed by a licensed agent during regular business hours. Martin Insurance Agency provides homeowners insurance, auto insurance, business insurance, life insurance and many other insurance services in Lancaster County, PA.