Preparing Your Home and Homeowners Insurance in Texas for Hurricane Season
Whether you live inland or own a coastal property in Texas, the smartest thing you can do to prepare for hurricanes is to plan in advance. Hurricanes generating winds of 100 mph or more can cause significant flooding and wind damage. These tips provide helpful reminders about securing your home, updating homeowners insurance in Texas and taking action after the storm.
Securing Your Property and Home
No one can say for sure that your home can be secured well enough to withstand the forces of hurricane winds and flooding. However, taking precautions might just make a difference on whether your home survives, how much damage there is and if you’ll need to file a claim for homeowners insurance in Texas.
Because most homeowners don’t have the experience to know what repairs may be needed, you should consider hiring the expertise of a certified home inspector or contractor with knowledge of hurricane construction. Taking these precautions could prevent making a claim on homeowners insurance in Texas.
Professionals will check your roof, attic ventilation, doors, windows and attached structures to see what needs strengthening and where improvements can be made to mitigate hurricane damages.
Inspections may reveal the need to attach roofing straps, wind resistant barriers, sealing roofing vents, shuttering windows and increasing support structures. It is also a good idea to consult with your insurance agent about your homeowners insurance in Texas if you’ve made construction changes to fortify your home against hurricanes.
In addition to strengthening your home against hurricanes, you should inspect your yard for anything that could turn into flying debris. Pack up and store children’s toys, lawn furniture, patio tables and grills into a protected area or garage.
Adding Coverage and Updating Your Homeowners Insurance in Texas
Sometime prior to June, when hurricane season starts in Texas, you should pull out your homeowners insurance in Texas policy to check all your coverages to make sure they are up to date and in order.
Pay particular attention to covered perils. If you have not yet covered your home for wind damages and flooding as a result of hurricane damage, you should consider these now. Most standard policies do not cover these perils. However, you can purchase a separate policy or an additional rider to make sure you’re covered.
Be sure to check your homeowners insurance Houston policy to make sure you’ve updated it to include any new additions to your home such as a pool, hot tub or a room addition.
Preparing Your Home Inventory for Homeowners Insurance in Texas
Make sure you have a complete inventory of all your personal belongings to be covered on your homeowners insurance in Texas. Your inventory should include the name, brand, serial number and photographs of each item in all rooms of your home.
Be sure to include tools and other equipment that may be stored in outdoor sheds, garden sheds or in a garage.
Storing Important Documents
Prepare a folder containing important documents like your homeowners insurance information, various policies, irreplaceable photographs and your home inventory to be stored at another location or in a safe deposit box.
Documenting Storm Damage for Homeowners Insurance in Texas
After the storm passes, you should videotape or photograph any obvious damage to your home inside and out. Don’t make repairs, and keep damaged items until you’ve spoken with your insurance agent.
After fortifying your home and updating your homeowners insurance in Texas, you should make sure you understand disaster plan procedures in your community. You should also have an emergency evacuation plan in mind for you and your family to evacuate your home safely.