Hurricanes are massive storm systems that form over ocean water and often move toward land. Threats from hurricanes include high winds, heavy rainfall, storm surge, coastal and inland flooding, rip currents, and tornadoes. The heavy winds of hurricanes can cause damage or destroy homes, buildings, and roads, as well as cause power, water, and gas outages. These effects can injure or kill people, disrupt transportation, and pollute drinking water. Hurricanes cause deaths and injuries primarily from drowning, wind, and wind-borne debris. The impact from hurricanes can extend from the coast to several hundred miles inland. To find your risk, visit FEMA’s “Know Your Risk Map.”

Hurricane Preparation Suggestions

Consider incorporating the following hurricane preparation suggestions to avoid unnecessary upsets in the event that disaster strikes:

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Insurance Considerations

In addition to the various precautions that you should take, you should also have adequate insurance coverage to protect against losses. Contact Wells Insurance to discuss your needs and review the coverages that are right for you. Beyond your typical policies, consider flood insurance. Also, if you haven’t had your insurance policy updated with rising building and material costs, you may want to discuss current costs of replacement with Wells Insurance. In addition, conduct an inventory of upgrades, improvements, new appliances, and any other valuable items within your house worth protecting. Take photographs of these items and descriptions. Then store this information in an off-site location or in a cloud storage system. If you have questions regarding hurricane season and how it pertains to your family or home insurance please feel free to reach out us insurance@wellsins.com or 910.762.8551.