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Critical Overlooked Steps

How to Prepare for Hurricane Season

 

In addition to standard preparation measures for hurricanes – including covering windows, trimming trees and shrubs, installing a back-up generator, and securing unfastened furniture and items – two critical steps are often overlooked. To truly be prepared for hurricane season, residents of hurricane-prone regions must create a communication plan and review insurance coverage every hurricane season.

 

At IBTX, we care about your safety first and foremost. Our most comprehensive and customized hurricane insurance is meaningless if you and your family aren’t safe. That’s why we offer the following suggestions for hurricane preparedness backed by superior customer service when claims are necessary.

 

Establish an Emergency Communication Plan

According to the American Red Cross (https://www.redcross.org/) the internet – including online news sites and social media platforms – is the third-most popular way for Americans to gather emergency information and let their loved ones know they are safe. While the constant access afforded by the internet is a blessing for communicating updates, it is completely useless if, during a storm, phone lines, cell towers, internet services, and other technology go down.

 

Because technology cannot be counted on to weather a storm, it is important that you establish a communication plan beforehand to ensure you and your family are able to connect.

 

Incorporate the following steps into your emergency communication planning:

 

 

 

 

 

Review Insurance Coverage Annually

Gaps in insurance coverage are often one of the most overlooked risk management measures in the wake of hurricanes.

 

Keep in mind that homeowners’ protection generally covers damage from wind, wind-driven rain, and water that enters your home through the doors, windows, and roof. Damage from water rising up from the ground, including storm surges and overflow from bodies of water require specialized flood coverage.

 

When Hurricane Harvey hit southeastern Texas in 2017, much of the damage sustained in the Houston area was a result of flooding, leaving many homeowners disappointed with their coverage.

 

Even if you don’t have flood insurance, it may be worthwhile to contact your insurance provider about possible reimbursement for living expenses if your home is uninhabitable, if you’ve incurred wind damage, and/or other non-flood related repair costs.

 

Depending on your location, there may be laws which prohibit rebuilding or requiring changes in the elevation of buildings above the flood or tidal level in flood zones and coastal hurricane areas. With this in mind, you should have your personal risk advisor review your flood insurance limits to adjust for increases dependent on additions or changes.

 

Get Hurricane Help

In addition to the tips for hurricane preparedness found at Ready.gov, (https://www.ready.gov/hurricanes) we have many resources and additional tips to keep your family safe during hurricane season. If you have more questions or concerns regarding your preparation for this year’s hurricane season, especially as the COVID pandemic cause particular barriers, please reach out to members of the Risk Management Services team and we will be happy to guide you to resources, assistance, and help.

 

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