The best time to prepare for a storm is well before one is on the horizon. The following information and resources are intended to help you reduce risk to your home and family well in advance of a hurricane or wind storm.
Develop a hurricane plan.
Your family may not be together when a storm or other disaster strikes. How will you find each other? How will you know if everyone is safe? What will you do if water, gas, electricity or phone services are shut off? Having a hurricane plan in place can help you answer all of these questions. For help creating your own hurricane plan, visit Ready.gov or contact a PURE Member Advocate. You can also view resources from the National Weather Service.
Schedule an annual tree inspection.
Have the trees surrounding your home examined by a certified arborist to make sure they are healthy and stable. A PURE Member Advocate® can assist you with scheduling a complimentary tree-risk assessment from an arborist in your area.
Schedule an assessment with a roofing specialist.
The older your roof is, the weaker and more exposed it may be to wind and water damage. A roofing specialist can conduct a thorough review of your roof and soffits to identify any loose or missing tiles or issues with flashing. They can then repair them before hurricane season arrives.
If you have storm shutters for your windows, make sure they are operating well.
If your shutters need to be installed manually, ensure your contract to have them fitted is up-to-date. Confirm that your contractor will be able to put them in place at short notice if a storm is in the forecast.
Invest in a permanently installed generator.
Consider investing in a generator to avoid power outages caused by a storm. Contact a PURE Member Advocate to learn about special offers available to PURE Programs customers from leading manufacturers.
Reduce the potential for flying debris.
In advance of a storm, clear the areas around your home of fallen branches, yard ornaments, lawn furniture and other items that may become wind-borne debris. In coastal areas, if you are re-landscaping your driveway or garden, consider alternatives to gravel or stones.
Make use of today’s technology.
In an emergency situation, like a hurricane, your smartphone can be a very valuable tool. In addition to providing you access to useful news and weather apps, it can double as a flashlight, backup storage for vital documents and photos and a tool to help you to locate family members.
Make sure you have proper coverage in place for flood damage.
Flooding is the most common natural disaster, yet flood damage is not covered by a traditional Homeowners policy. Talk to your independent insurance broker about your options for flood coverage.
For more information or for assistance locating a service provider in your area, contact a PURE Member Advocate® at firstname.lastname@example.org or 888.813.7873.
About PURE Programs
PURE Programs, LLC., is a managing general underwriter offering specialized Excess & Surplus (E&S) insurance and risk management solutions for PURE members and other responsible high net worth families whose complex exposures do not qualify for coverage from an admitted insurer. PURE Programs shares much of the infrastructure behind its admitted affiliate, PURE Insurance, including world-class risk management and claims services as well as electronic billing and policy delivery, in order to provide an exceptional experience for policyholders and their brokers.