Before Hurricane Season
Complete this checklist before hurricane season:
- Your home:
- Make a list of loose items that should be brought in our tied down (patio furniture, garbage cans, plants, etc.). Don't forget the TV antenna.
- Urge neighbours to hurricane-proof their homes, also. Their flying debris may damage other properties.
- Trim trees and brushes so the wind can blow through easily. Excess limbs can become deadly projectiles, breaking windows and damaging roofs
- Consider hurricane shutters or plywood to protect all sliding-glass doors, windows, double-entry doors
- Consider to brace garage doors. Single-wide doors need one vertical support in the
middle; double-wide doors need two or three. Check with a shutter company or
contractor about garage door storm bars.
- Cement loose tiles and both outside and on the roofs.
- Know the location of the main electric breaker, water valve and gas valve.
- Photograph or videotape your home and personal property.
- Check with your veterinarian about how your pet might react to a hurricane and whether you need to take any special precautions for sick or exotic pets (parrots, reptiles, etc.).
- Get ID tags for all your pets.
- Make a plan. Consider mooring options well in advance.
- Make sure your boat is watertight and in sound condition.
Absentee owners should arrange a supervised inspection.
- If you keep your boat on a trailer, check with the boat
manufacturer about the best way to secure your boat during
- If you have made mooring arrangements, check the size and
strength of the deck hardware (for example, primary chocks,
cleats, bitts, bollards, and winches). Hurricane moorings
should have double lines.
- Purchase necessary hurricane materials such as additional
mooring lines, crew anchors, fenders, fender boards, chafing
gear and anchors. These items may not be available when a
hurricane watch is issued.
- At marinas, ask the management about hurricane policies and
procedures for boats left at the facility.
- Rehearse your planned boat movements.
- Make sure your insurance policy is current.
- Record and keep with the you the vessel's registration
number, description, and mooring location. Also, keep
current photographs or video of your boat.
Before hurricane season each year, you should review
your insurance coverage with BF&M. Most insurance
companies will not issue new homeowner's insurance once
an area has been placed under a hurricane watch.
Make sure you have adequate coverage. You should
consider increasing your coverage if you make additions to
your home, your property value increases, or you purchase
expensive items such as computers, stereo equipment, and
major appliances. Ask BF&M to help you obtain the best
coverage you can afford.
Know what your policy does and does not cover.
Review your policy's deductible, exclusions, coverage for
relocation and temporary living expenses, and coverage for
injury to employees, house guests, or potential lawsuits.
Standard homeowner's policies usually limit coverage on
valuable property. You may need to purchase extra coverage
for these items.
Update your list of personal belongings. Maintain a
current inventory that includes serial numbers, purchase
dates and costs of your valuables. If your home is damaged
or destroyed, it will be hard to remember everything you own.
Attach receipts to the inventory list. Your insurance company
may require proof of the cost if you file a claim. Video tapes
and/or photos are a good way to document your personal
Safeguard your records. Keep a copy of your policy and
your inventory records in a safe deposit place. As a precaution,
make two copies; keep one in a safe place at home and give
the other to a friend or relative. If your property is damaged
during a storm, you will need quick access to this information.
For more information on insurance coverage for homes, boats and any other insurance needs, call BF&M at 295-5566.
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