I recently moved to Florida, I’m not familiar with hurricane precautions. With hurricane season about to begin, and now I do to protect my house?
Hurricane season officially began June 1 last until November 30, although the start date is fast approaching, there is still protection can take your storm home and a few steps property.
Buy plywood now. If you want to use plywood to protect your windows, now is the time to prepare – rather than scrambling to try to find an available, and worry about the cut to the appropriate size of plywood as a storm is approaching the store. “Buy now, and have it cut number, and you will know how to put it up,” Scott Spencer, worldwide appraisal loss prevention manager, said d Chubb Personal Insurance. “Cut to the appropriate size – it should exceed the size of the window – and the permanent horse now, so you do not have to think about how to adhere to the wall when the hurricane window protection you want, it is able to withstand shooting in 2×4 60 mph, because this is a storm might look like. ”
Protect your windows and roof. If you’re looking for a more permanent solution, consider installing storm shutters to all windows, including beams and skylights. “A lot of people do just the water side of the house to install storm shutters wrong,” Spencer said. “But the hurricane winds in multiple directions.” Wind and air pressure can enter your home from any direction, and eventually the roof blown off. Have a professional inspect your roof to make sure it is fixed to the walls and foundation, Spencer said.
Eliminate potential projectile. If a storm on the way, look around your yard and the neighbor’s yard for the duration of the storm could become something flying missiles – whether lawn furniture or unstable branch. “We propose to delete all potential airborne objects and put them in your garage or even thrown in the pool,” Spencer said. Before the hurricane season, “estimated that the health of the trees around the house. If you have a large tree branches hanging over your roof, do not wait until the use of wind down.” If your tree damages your house, your insurance will cover the damage, BUt it can cover only $ 500 to $Trees cost of removal. The best insurance to pay any fees, if the tree falls, but do not hit anything, even though it may cost thousands of dollars to haul it away. You see a tree falls in the yard of the details of your neighbors.
Consider a backup generator and leakage mitigation system. After the storm electricity may be to your day, if you have some water damage, it can provide mold in humid summer grow rich place. If you have a standby generator that can automatically keep your air conditioning, alarm system, once the power goes out running and other key projects, you may be eligible for a discount from insurance companies. You can also get a discount, install leak mitigation system will turn off your water supply, and if so, when you’re not home leak – it may be that people vacation homes, the problem is not around to monitor people who may appear particularly valuable
Make sure you have adequate homeowners insurance. Even if the market value of your home fall, the cost of rebuilding your home may have increased in the past few years – and may be even higher, because those global disasters pushing up the cost of building materials. “Means to have occurred, the cost of construction will go a significant number of global catastrophe everywhere,” Spencer said. If the contractor to improve after a widespread disaster in the region of their cost price may reach even more. Make sure that your homeowners insurance coverage is up to date (to www.accucoverage.com run number), look like a hurricane policy provided under an additional 20-50% coverage of special circumstances. If building codes have changed since your house was built, which can take more to rebuild your home. Consider adding “the Buildings Ordinance to cover” your policy, this can be an additional cost to rebuild your home in order to meet the new code. See homeowners insurance to save money on calculating how much insurance you need more information.
Consider flood coverage. flood is not covered by homeowners insurance policy for as many people in the South and Midwest found that in the past few weeks. But you can buy through the National Flood Insurance Program flood policy. There I was waiting for 30 days before coverage effects occur, though, so you can not only buy coverage when a storm on the way. Refer to protect your home against flood-related and financial cover floods and other government itemsDetails of projects to help people with flood damage.
