Preparing for the Atlantic Hurricane Season
The Atlantic Hurricane Season runs from June 1 to November 30. Every year hurricanes rip through the Caribbean bringing torrential rain, flooding, storm surges and devastating winds which destroy homes and lives. The devastation left behind is compounded when we are caught unprepared.
Here are some simple measures which may lessen the impact of these ferocious storms.
Before June 1:
- Check your emergency equipment (flashlights, lanterns, portable radios, portable or stand-by generators, batteries). Ensure that they are all in working order.
- Trim trees and shrubbery to prevent weak branches from falling onto your house or your neighbour’s house.
- Look for weak spots in doors, windows and roofs.
- Check for loose and clogged rain gutters and downspouts and repair if necessary
- Check all roof vents for proper ventilation.
- If you do not have shutters installed, now is a good time to make shutters and to check those that you have stored.
- Check your supply of non-perishables and water. Ensure that you are fully stocked.
- Locate the emergency shelter in your neighbourhood.
- Locate your insurance policy and review your insurance.
Review your insurance:
Often when we are issued insurance policies we put them in a cupboard or put them in an area in our house without checking the wordings. We take it for granted that all is well. As conscious consumers, we must always examine our policies to ensure that what we ask for is what we are getting. The approach of the Hurricane Season is the perfect time for you to know what is and is not covered.
- Get your policy contract
- Read the Policy and make a note of what you do not understand and also your concerns.
- Check with a representative from your insurance company.
- Take note of policy excesses/deductibles.
- Get information about:
- what is covered in the policy.
- what is excluded in the policy.
- the value or sum insured of your policy. It is wise to insure for the building or contents replacement value.
- Take photos of your home, inside and out, for documentation of its condition and contents.