If you have any questions about what types of damages are covered by your renters, homeowners and/or auto insurance policies, check with us right away. You don’t want to find out after the fact, that you didn’t have insurance protection in place.

Summer storms can have damaging effects on your home and your life no matter where you live. Everyone should have (at the very least) basic emergency preparation to care for themselves and/or neighbors should disaster strike.

These three steps will help you be ready:

Step One:  Be Aware

You may already be aware of what types of severe weather can visit your area, but if not, ask around and do some online research. Pay attention to the 5 and 10-day weather forecasts. Install severe weather alert apps on your smart phone that notify you immediately when the forecast for your area changes for the worse. The National Weather Service offers the StormReady site, which provides updates on thunderstorms and tornadoes, flooding, hurricanes, and fire weather.

Step Two: Be Prepared

Roofs and windows are susceptible to wind damage – think about what you can do to protect and reinforce those areas. Heavy duty window shutters provide more protection that plywood sheeting, and hurricane straps can be installed in your attic to help keep your roof where it is supposed to be. 

Consider adding an ICF (Insulated Concrete Form) safe room into your home or to your property.  These strong, relatively inexpensive rooms provide excellent protection. Otherwise, identify a well-sheltered spot in your home, such as a basement, or an interior room as far away from windows and exterior walls as possible, where you can ride out the storm.  Please note, mobile homes or vehicles are not safe shelter.

Step Three: Have Portable Essentials

A portable 72-hour kit that you can easily take with you is a must – even if you’re not leaving your home, it will provide comfort and help reduce stress. The simplest approach is to prepare small backpacks filled with essentials:

  • WATER

Plan for 1-2 gallons of drinking water per person per day.  Include purification tablets or other portable filtration methods in your kit.  

  • FOOD

Pack durable and calorie dense foods that do not require cooking.  Make sure they are in water-proof packaging.  

  • CLOTHING

Include a set of dry, durable clothes for everyone, plus extra underwear and. In the winter months, have coats and boots ready, too.

  • BEDDING

Wool blankets are best because they will keep you warm even when wet.

  • SHELTER

A thick tarp with heavy duty grommets can be used to block out wind and rain and provide needed shade.  Keep about 50′ of sturdy nylon cord with your tarp.

  • SANITATION & HYGENE

Camping buckets are preferred, but a five gallon bucket will also work for containing human waste. Don’t forget the toilet paper, and/or diapers and/or feminine hygiene items. Don’t forget little things like a toothbrush, comb and eye glasses, if used.

  • FIRST AID KIT

Well-equipped first aid kits are inexpensive. Have at least one in your emergency supply kit – and be sure to include prescription medications.

  • LIGHT/EMERGENCY RADIO

Hand-cranked radios and hand-cranked flashlights will work in any conditions, and will provide welcome news and light in emergency conditions.

  • MONEY / FINANCIAL RECORDS

It’s a good idea to keep some cash on hand, and to place important documents like your insurance policies and bank records in a secure, water-proof container that can be easily carried along.

Again, if you have any questions about what types of damages are covered by your renters, homeowners and/or auto insurance policies, check with Webb Insurance Options right away. You don’t want to find out after the fact, that you didn’t have insurance protection in place.