In the post-Katrina world, no Floridian can deny the awesome and destructive power of the weather. Faced with such a devastating force that can lay waste to huge areas, leave thousands homeless and raze inland and coastal communities alike, one must think ahead to the almost inevitable future where this scenario changes from likely possibility to very imminent reality. Obviously, the first concern in any situation of this magnitude is the preservation of life. A close second for many will be the protection of what for many people is their single largest investment: their home. This can be easily done if one divides the necessary steps of preparation in to the three simple and logical categories of tasks to be completed in the blue skies of calm, the black skies of impending storm and the gray skies of recovery.
When thoughts of storms and hurricanes are as distant as foreboding weather systems off the west coast of Africa and the skies above are blue, it is the perfect time to do some basic preparations. First off, review the current homeowners insurance policy. Ensure that there is adequate protection and appropriate coverage. Keep in mind that homeowners insurance does not cover losses incurred due to flooding. Flooding, one of the greatest destructive forces of storms and hurricanes, is covered under separate flood insurance and should be considered by all who live in flood hazard areas. Also of note is that homeowners insurance may cover valuables, but up to certain limits. One should consider securing additional coverage for individual items of great value and importance. Once all insurance details are worked out, document and inventory all personal property with photographs or video. Store this, along with all pertinent insurance information and other valuable documents, in a safety deposit box or in a fire/weatherproof security box that can be easily accessed for evacuation purposes. Besides arranging one’s insurance policies, there are a few things that can be done around the home before any signs of inclement weather. Take the time to have hurricane shutters installed or pre-cut ¾ inch plywood for all the windows of the home. When yard work is being done, be sure to cut back branches of trees that could break windows. If there are large sections that need removal, contact a professional tree trimmer to help with this.
When the skies are black and the storm is on its way and it is too late to change insurance policies, there are still plenty of things to be done around the house. One of the first things to do is turn refrigerators and freezers to their coldest settings and refrain from opening them unnecessarily. This will allow them to retain the greatest amount of cold during the period when they may be without power and is the greatest chance to keep these perishables from spoiling. All outside items should be brought inside and large objects should be secured as best as possible. Next it is time to put one’s earlier preparations to work by closing all the hurricane shutters or board up the windows with the pre-cut plywood. Bathtubs and sinks may be filled with water for cleaning purposes after the storm has passed. Immediately prior to evacuation or the storms onset, one should turn off all circuit breakers, the main water line and gas utilities if possible. This will greatly reduce the possibility of fire, electrocution or explosion. Should one be staying, remember to rely on candles and battery-powered appliances during the storm. If evacuating, all valuables should be taken at this time. One may not have the opportunity to retrieve these items for some time afterwards.
When the worst has passed and the skies are gray, one’s first inclination is to turn everything on and begin on the clean up. One should fight this initial instinct and wait to turn on all circuit breakers until all power has been restored. After power is restored and circuit breakers have been turned on, one should examine the home’s electrical system checking for frayed wires, burning smells or other problems. Should any problems exist, turn off the electricity and contact an electrician immediately. Next the water and sewer lines should be inspected to ensure they are functioning correctly. If any problems are detected, contact a plumber immediately. If one utilizes gas, turn on the gas and check for any possible leaks. Should a leak be perceived, immediately exit the home, turn off the gas and contact the gas company. Once these items are taken care of, it is time to begin assessing any damage to one’s property and possessions. Be sure to document all damage and comply with your insurance company’s requisites for claim submission. Note that damaged items should not be disposed of without the prior approval of one’s insurance claims adjuster.
No one wishes to experience the uncertainty and danger of large storms and hurricanes. We all celebrate our near misses with a faint sense of guilt acknowledging our windfall is another’s devastation. One can never predict the weather 100%, nor can one ever be 100% prepared, but we can all do our best to limit the damages and meet head-on all difficulties that may come our way. Stay prepared, smart and safe.