The Atlantic hurricane season is underway but one-in-three Florida residents don’t make advanced preparations, according to a recent AAA Consumer Pulse survey.
Colorado State University predicts a near-average hurricane season with twelve named storms, five hurricanes and two major hurricanes this year. But if a named storm sparked evacuation warnings, nearly 18 percent of residents say they won’t leave their homes. Of those who will evacuate, 58 percent say they would only leave for a category three hurricane or greater.
Residents should stay vigilant and be prepared for a major weather event. Part of that preparation includes having a storm kit, evacuation plan and proper insurance coverage, which should include flood insurance.
Floods are the number one disaster in the United States, and homes in low risk zones account for nearly 20 percent of yearly flood claims. Just two inches of water in a 2,000 square foot home, can cause as much as $21,000 or more in damage. However, 71 percent of Florida residents do not have flood insurance, which is separate from homeowners insurance.
AAA hurricane preparation tips
Secure your home – Inspect your home for minor repairs needed to roof, windows, down spouts, etc. Trim trees or bushes that could cause damage in case of high winds.
Make a plan – Develop a family emergency plan that includes ways to contact each other, alternative meeting locations and an out-of-town contact person. Identify a safe room or safest areas in your home. Research your evacuation route. Be sure and include plans for pets.
Take inventory – Update your home inventory by walking through your home with a video camera or smart phone. Keep a record of large purchases including the cost of the item, when purchased and model and serial numbers as available.
Stock emergency supplies – Plan for a week’s worth of non-perishable food and water. Be sure and have flashlights, extra batteries, battery powered radio, medications, first aid kit, blankets, toiletries, diapers, etc. You may also want to prepare a portable kit and keep it in your car if you evacuate.
Protect your property – Review your homeowners insurance with your insurance agent to determine if you have adequate protection. Discuss your deductibles. Be aware that flood insurance is not typically covered under a homeowners policy. Flooding to an automobile is available under the Physical Damage coverage.
