Florida’s Hurricane Preparedness: Tips for Protecting Your Property
Hurricane season is in full swing and for many homeowners. Finding ways to keep their properties safe isn’t just a priority—it’s essential to helping them avoid a time-consuming insurance claim process. The more you can do to protect your home before the storm hits, the less likely you’ll be to need an experienced Florida hurricane insurance claims attorney to represent your interests with your insurance provider. Not sure where to start? Here are a few tips to keep in mind.
Cover All Windows
High winds can pick up debris and send it crashing into your windows. Often breaking the panes and exposing your home to an increased risk of water damage. Before the storm, take the time to cover your windows with sturdy plywood. This will act as a barrier between your windows and the debris outside and can keep the glass intact during the storm.
If you’re looking for a more permanent solution, you may want to install hurricane shutters on your home. The shutters are impact-resistant and permanent, so you won’t have to worry about braving the hardware store to pick up plywood or deal with the hassle of putting those panels up. All you have to do is close and lock the shutters.
Tie Your Roof Down
High winds can cause roofs to lift away from your home. Though wind-related hurricane damage will typically be covered by your home insurance policy. Repairs can take time, and the longer those repairs take, the more at risk your home’s interior will be. Use dedicated hurricane straps over your roof and secure each strap in the ground on either side of your house. If you can, use tie-down anchors placed in a permanent cement slab. If you don’t have time or aren’t ready to invest in a more permanent anchor, secure the straps with thick stakes driven at least several feet into the ground.
And if you have the money and are preparing for future hurricane seasons, consider working with a local roofer to reinforce your existing roof. This could eliminate the need for external tie-downs and may keep your roof in better condition.
Give Your Landscaping Some TLC
As you prepare for the storm, take a look at your landscaping. Trim excess and potentially dangerous growth away from your trees, prune your bushes, and remove any dead or dying plants from your property. This will reduce the risk of falling branches damaging your property and remove hazards from your yard. If you’re not comfortable doing this on your own, consider working with a landscaping specialist. They’ll be able to assess each plant on your property for safety risks and can ensure that your plants are equipped to survive the storm as best as possible.
Move All Outdoor Furniture Indoors
If you can, bring all of your outdoor furniture, toys, bikes, and lawn decorations indoors before the storm hits. These items can easily go airborne in high winds. Even if they don’t damage your property, they could damage your neighbors’ homes. If you have a garage, move them there. If you don’t, bring them into your home.
Purchase Flood Insurance
Unfortunately, standard homeowners’ insurance policies don’t protect against damage from flooding, even when those floods are caused by hurricanes. You’ll need to invest in a dedicated flood insurance policy to fully protect your home and your property. Contact your insurance provider as soon as possible to discuss your options. If you can, purchase coverage before the next storm so you can rely on the policy to help cover any necessary repairs.
Preventative Measures Are Just the Beginning
Protecting your home from hurricane damage is a great start, but if your home is damaged by the storm, you’ll need to file an insurance claim to get the money you deserve for repairs. An experienced Florida hurricane insurance claims attorney can help if you run into any difficulties with your insurance provider. Contact Parrish Law today to schedule a free consultation.