- On August 28, 2019
Tropical Storm Dorian officially became Hurricane Dorian this morning with sustained winds topping 75 mph. Forecasters are now warning the storm will strengthen into a dangerous Category 3 hurricane as it nears the U.S. mainland.
Get information on what to do before a hurricane or severe storm hits by downloading our Hurricane Prep Guide.
The center’s current predictions show Dorian’s center hitting Florida’s coast late Sunday or early Monday. It’s expected to become a major hurricane (Category 3 and above) as it moves north of the Bahamas.
Those in the target areas should prepare now before Hurricane Dorian makes landfall. Here’s how:
1.Have A Plan
Hurricanes are among the most powerful severe weather events, yet 60% of homeowners don’t have a disaster preparedness plan. Nearly half say they haven’t thought about it, and 45% don’t know what items to have on hand during an emergency. The National Hurricane Center offers resources for creating a family emergency plan, as well as what to include in a disaster supply kit.
2. Review Your Insurance Policy
There are two primary insurance policies that protect homeowners from natural disasters: homeowner’s insurance and flood insurance. On the homeowner’s policy, you need to be certain that ‘wind’ is a peril covered under their policy. There are many ‘non-wind’ policies sold in coastal areas. The price is considerably less, but for good reason. There is no coverage for any hurricane or tropical storm wind coverage on a non-wind policy.
3. Review Your Deductible
There’s a good chance your homeowners insurance policy has a hurricane deductible. It typically ranges from about 1 to 5 percent, depending on the specifics of your insurance contract. Some homeowners might opt for an even higher deductible if it’s available.
It’s important to note that the percentage is based on your insured value, not the damage caused. So, if your home is insured for $200,000 and you have a 2 percent hurricane deductible, you’ll pay $4,000 even if the damage is only, say, $10,000. This means you need a plan to cover your share in the aftermath of a disaster.
4. Protect Your Home
Boarding up the home or deploying hurricane shutters can reduce the direct loss to a home. If you live in a coastal area, having hurricane shutters and impact-resistant glass are two ways to improve your home’s resilience in a storm. Look around the outside of the property for anything that could turn into a missile in high winds such as fire pits, patio furniture, etc. Bringing those items inside can help prevent from crashing through your home or otherwise damaging the outside of your home
5. Document Your Home’s Condition & Take Inventory
Should your home suffer damage, proper documentation of the condition of your home (inside and out) can help ensure a fair claim payout. These photos and videos of the exterior and interior of the home that can serve as a frame of reference during the claim process if there are issues or questions. The home inventory checklist in our Hurricane Prep Guide will help guide you through what to take photos and video of.
Follow C3 Group on Facebook for updates on Hurricane Dorian and preparedness tips.