As a Texan, preparing for hurricane season is crucial to protect your home and family. Here are some essential tips to help you get ready and stay safe during hurricane season.
Protect Your Personal Documents and Valuables
Ensure that all critical financial, medical, educational, and legal documents are collected and safeguarded. Keep these documents in a waterproof bag and store electronic copies securely. Document your belongings and the condition of your home by taking a video tour. This will be useful for insurance claims. In the event of an evacuation, be prepared to pack your valuables within 15 minutes.
Build Your Disaster Evacuation Kit
Your disaster evacuation kit should cater to the entire household, including children, elderly family members, those with special needs, and pets. Include medical supplies to manage both current and unexpected conditions. Equip your kit with tools and safety items such as matches, flashlights, a multi-purpose tool, and a whistle. Stock at least a three-day supply of non-perishable food and water, and remember any specific items your family might need, like infant formula. Don’t forget to gather food, water, medical supplies, and documentation for your pets.
Buy Flood Insurance
Most homeowners’ insurance policies do not cover flood loss. To protect your home, obtain flood insurance through the National Flood Insurance Program (NFIP). This is particularly important if your home is in a floodplain. Homes rebuilt through the Texas General Land Office’s Homeowner Assistance Program in a floodplain must maintain flood insurance to qualify for future government assistance.
Flood Proof Your Home
Taking steps to minimize flood damage can protect your home. Shut off the main circuit breaker to prevent short-circuiting and electrocution risks. Keep gutters and drains clear of debris and install water alarms and sump pumps with battery backup. Install “check valves” in sewer lines to prevent floodwater from backing up. Stockpile emergency materials like plywood, plastic sheeting, and sandbags. Elevate your heating system, water heater, and electric panel if they are prone to flooding. Waterproof your basement and consider elevating your home if it’s in an area with repetitive flooding.
Develop a Family Evacuation Plan
Understanding your flood risk is essential, regardless of your location’s flood zone. Know where to meet if separated and plan where you will stay. Pack a “go bag” with essential items and keep it accessible. Check with the Texas Department of Transportation for evacuation routes and download the FEMA app to find nearby shelters. Communicate your plans with friends or family outside your home area to ensure they know your intentions.
Safeguard Your Home
Doors and Windows
Reinforce garage doors and tracks, or replace them with hurricane-rated doors. Ensure one entry is easily accessible and use a security deadbolt. Install hurricane shutters or hurricane-rated windows. Avoid taping windows, as it offers little protection and can be dangerous.
Landscaping
Trim trees and shrubs, remove dead limbs, and repair or replace damaged fences. Secure loose items in your yard to prevent them from becoming projectiles during the storm.
Roofing
Inspect your roof for loose or damaged shingles and consider using hurricane-rated shingles. Install hurricane clips to secure roof trusses to the side walls.
Insurance and Documentation
Flood insurance is essential since standard homeowners and renters’ policies do not cover flood damage. Even a small amount of water can cause significant damage. Hidden risks like new housing developments or changing weather patterns can increase flood danger. With flood insurance, you have financial protection if your home or belongings are damaged. Keep a written inventory of your possessions, and take photos or videos of each room and the exterior. Gather and secure important insurance documents. Review and adjust your insurance policies as needed, and if you rent, consider renter’s insurance to cover your belongings.
By taking these steps, you can ensure that you and your family are prepared for hurricane season, reducing the risks and mitigating potential damages. Stay safe, stay informed, and take action now to protect your home and loved ones.
Source: https://recovery.texas.gov/preparedness/hurricane-preparedness/index.html