While the Atlantic hurricane season officially kicks off on June 1 and lasts for six months, we typically see the most activity between August and October, with the peak being mid-September. Forecasters from the National Oceanic and Atmospheric Administration recently updated their predictions for the 2023 Atlantic Hurricane season1, indicating that they now expect an above-normal level of activity this year. No matter what happens over the next few months, it is important to take the appropriate steps to prepare yourself and your family for potential disaster long before a storm hits the forecast.
Hurricane Preparedness Checklist
- Review hurricane preparedness information. First and foremost, have a plan to keep yourself and your family safe during a storm and understand what to do in the following days. If you need help pulling together your emergency plan, knowing your evacuation zone, or learning about hurricane warnings and alerts, visit the South Carolina Emergency Management Division website.
- Prepare and protect your home. Preparing your home to protect against hurricane damage is one of the most important things you can do in advance of a storm. Taking steps to eliminate weak branches and trees, install storm shutters, and seal outside wall openings such as vents and outdoor electrical outlets can help mitigate the impact of high winds and flooding. If you are a renter, be sure to speak with your property manager about the steps you can take together to protect the property and your belongings.
- Know how to access your insurance policy information. Please utilize the client center on our website to access your policy information including details about your coverage and your carrier. It is important to be knowledgeable about these details in advance so that you understand your coverage including deductibles for different types of damage.
- Understand how to file a claim. In the event that your property sustains damage following a natural disaster, it is important to reach out to your insurance carrier to file a claim as soon as possible (while staying safe). Visit our website for a list of carriers, including links for filing a claim online.
Now is a great time to reach out to us for an insurance check-up to determine whether you have enough coverage to repair or replace your home. Keep in mind that standard homeowners insurance does not cover flooding, which is a separate policy and requires a 30-day waiting period in most cases. Neptune Flood Insurance offers a self-quoting option with the flexibility to customize your coverage to suit your specific needs.
Remember that natural disasters are not just a summer occurrence and can happen throughout the year. It is important to protect yourself and your property through every season. We are here to help – contact us to get started!
