The 2013 Atlantic Hurricane season officially starts Saturday, June 1 and will end on November 30. The National Oceanic and Atmospheric Administration (NOAA) predicted just thisweek that the 2013 hurricane season is expected to be especially active. According to the report, there is an estimated 70 percent chance or up to 20 severe storms occuring over the next six months. NOAA’s Climate Prediction Center said 11 of the forcasted storms have the potential of becoming hurricanes, with six possible forming in a Category 3,4, and 5 storm.
Fortunately, the Insurance Information Institute (III) has provided us with steps to minimize the impact of a hurricane:
Before the Hurricane Season Begins…
1. Plan your escape route early
2. Take an inventory of your personal property
3. Review your insurance policies
4. Ask about flood and wind insurance coverage
5. Take steps to protect your home
After the hurricane, dangers remain!
The storm may have passed, but new dangers lurk.
• Beware of outdoor hazards. Keep away from loose or dangling power lines, and report them immediately to the proper authority.
• Walk or drive cautiously, washouts may weaken road and bridge structures.
• In the event of a power outage, throw out food that may be spoiled. Boil municipal water before drinking until you have been told it is safe.
When a Watch Is Issued…
First, decide what supplies you might need in an emergency and keep a list handy. Purchase what you can in advance, such as plywood for boarding up windows, before the stores run out of supplies. You may want to have a bag set aside with some provisions—for example, an emergency kit that includes a three-day supply of drinking water; food you don’t have to refrigerate or cook; first aid supplies; a portable NOAA weather radio; a wrench and other basic tools and a flashlight. Jot down the name and phone number of your insurance company and agent and keep this information handy in your wallet or purse.
If Your Home Is Damaged…
Notify your insurance company representative as soon as possible of any losses.