Title: Home Insurance and Hurricane Preparations
Author: Joseph Kenny
Article :
The violent winds, rains and storm damage from hurricanes can
devastate communities and cause billions of dollars worth of
destruction. The losses from hurricanes this year alone have
surpassed that from almost any other natural disaster in years.
The risk to your home and possessions can be enormous and you
really should be considering insurance cover for hurricane
damage if you live in any area that is exposed to the risk of
hurricane. As well as insurance cover however, there are other
steps you can be taking to prepare for, and minimise the damage
to your property and risk to your family that hurricanes pose.
Since the Atlantic hurricane season begins in June and continues
through till the end of November, there is a significant
proportion of the year during which you should be prepared in
some way for hurricane threats. Some of the preparations below
will be required by insurance policies, others will not but are
still helpful to you and your family. Some of them may even be
able to bring down your insurance policy price as the insurance
company recognises that you are safer than you otherwise would
be and are therefore less likely to be making a claim.
Be Prepared
First of all you should be familiar with the terms of your
insurance policy and any disaster preparedness and response
plans they have. These will help you in the case that disaster
does strike or you find yourself in need of making a claim.
If you think you may need to evacuate your area, you should
contact the appropriate authorities before hand to know what
those requirements will be. You should have a plan formulated in
advance and if there are shelters nearby you should know where
they are and how to get to them.
Keep supplies such as food, water, gasoline, portable radios and
batteries stored somewhere safe so they will be available to you
in the emergency. Several flashlights with extra batteries
should be included. Copies of important identification and
insurance documentation would also be useful in certain
situations to speed up applications in the event that wide
spread devastation occurs. Medical supplies such as aspirin and
aspirin free painkillers, antacid, bandages, gauze and
disinfectant are also useful.
While insurance is a very important step you should be
taking to protect your possessions and family in the event of
disaster, there are many other steps you can take to prepare for
the situation also.
About the author:
Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/
where you will find information, news and links to the leading
providers of home
insurance in the UK.
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