For those of us who live in Florida or along the eastern seaboard of the United States, it is hurricane season. Nature unleashes it full fury with a combination of wind and rain, inflicting severe hardship and damage in its path. In other areas of the United States, heavy rains create flooding, mudslides and infrastructure damage.
As a homeowner it is essential to have a long term plan for your home for such emergencies. "In 2020 alone, 980 events caused losses and established economic loss from natural disaster was $268 billion worldwide," according to Brad Cummins, Principal Agent at Insurance Geek, LLC.
Here are some steps you can take recommended by Cummins.
1. Check your homeowner's owners insurance coverage to determine how much insurance coverage you need.
2. Prepare your home's exterior by securing any loose items that may become projectiles in heavy winds.
3. Create an emergency kit to include a portable radio, extra batteries, fresh drinking water and medical supplies.
4. Have a communication tree to let family and loved know of your well-being or where you are relocating to during the disaster.
5. Prepare your finances by creating an emergency fund to cover unforeseen costs should you need to evacuate your home.
"In doing these few simple steps you can minimize the damage an emergency may cause and ensure that you and your family are safe", notes Cummins
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