How to Prepare for Hurricanes in the Off-Season


5 min read · Feb 20, 2023

Hurricane Preparation Checklist

The off-season can often be a time of relaxation, but for people living in areas prone to hurricanes, it’s essential to use this time wisely. Hurricane preparation is critical when facing the oncoming storm season, and taking steps now to minimize future damage and disruption is vital.

Make an Emergency Plan

Having an emergency plan in place before a hurricane strike is critical. A family evacuation plan should include an escape route and a meeting place for family members. Emergency contacts such as local police, hospitals, utility providers, and insurance should also be included. It’s essential to have a plan in place for pets as well.

Be Insured

The insurance cover provided by reputable companies such as Neptune Flood can help homeowners to protect and insure their property against flooding. Consider purchasing or checking existing insurance policies to ensure that you are adequately covered in the event of hurricane damage. The last thing you want is to be left with a massive bill due to hurricane damage. Homeowners policies do not cover flooding, so having flood coverage is critical to make sure you’re fully protected.

Organize an Emergency Kit

Creating a comprehensive emergency kit is vital in preparing for hurricane season. An emergency kit should include non-perishable food items, a first aid kit, flashlights, batteries, and plenty of bottled water to last at least three days. Essential prescription medications should also be included in the kit.

Create a Home Inventory

Creating and maintaining an updated inventory of all your possessions is essential for claiming after the hurricane has passed. Taking photos or videos of items in each room, noting serial numbers, and keeping receipts are all key when filing an insurance claim following a storm.

Clean Your Gutters and Downspouts

Cleaning your gutters and downspouts every year can help protect against potential water damage. During a hurricane, clogged drains can cause rainwater to be trapped in your roof, leading to leaks and flooding, which create the potential for costly damage.

Install Impact-Resistant Windows

You can protect your home from wind damage by installing impact-resistant windows. These windows are designed to withstand powerful winds and flying debris caused by hurricanes. Besides protecting your home, installing impact-resistant windows can help reduce your homeowners insurance premium.

Reinforce Garage Doors

Garage doors should be checked for strength and reinforced with heavy-duty door braces or straps to protect them from wind damage. You should also consider moving any items stored in the garage away from the door area to reduce the chances of damage.

Check the Roof

Before hurricane season, check your house’s roof for any signs of wear and tear or structural weaknesses. If needed, replace worn shingles or tiles with ones more resistant to strong winds. Trimming trees near your house is also a good idea to minimize the chances of limbs being blown onto your roof during a hurricane.

Secure Outdoor Items

Before a storm hits, securing any furniture or objects that could become airborne during strong winds is essential. This includes patio furniture, grills, potted plants, and toys. Ensure everything is appropriately anchored to reduce the possibility of it becoming a wind-borne projectile.

Trim Trees and Shrubs

Eliminating branches and limbs that could break off during a storm is critical. Trimming or removing any weak or dead trees near your home will reduce the chances of them falling against your house, leading to possible roof damage.

Stay Informed

Knowledge is power when it comes to hurricane season. Knowing weather updates can help you make informed decisions regarding your home’s safety. Pay attention to forecasts and National Weather Service advisories to stay prepared in the event of a hurricane.

Top 6 Benefits of Having an Insurance Cover Before Hurricane Strikes

Many people are hesitant to purchase insurance, especially in the face of extensive hurricane damage. However, having an insurance policy can provide peace of mind and several other benefits.

1. Financial Security

A hurricane’s devastating effects can cause extensive damage to your property. Insurance coverage will provide financial security for you and your family in case of sudden destruction caused by a hurricane.

For instance, Neptune Flood can provide up to $4,000,000 in coverage for flood-related damages, unlike the NFIP, which covers up to $250,000 only in damages. Homeowners insurance does not cover flood damage, so having a separate policy is essential.

2. Peace of Mind

Having an insurance policy before a hurricane strikes gives you peace of mind. Knowing that your property is covered in the event of a storm can help ease the stress and anxiety associated with this natural disaster.

3. Quick Claim Settlements

Neptune offers a quick response as soon as a hurricane occurs. They can quickly start the claims process and schedule an adjuster to assess the damage and provide a claim settlement, so you don’t have to worry about out-of-pocket expenses.

4. Rebuild Your Home

If a hurricane destroys your home and property, an insurance policy will provide coverage for the rebuilding process. This can help you rebuild your house and promptly replace lost possessions or items.

5. Secure Accommodation

Insurance coverage can also provide temporary accommodation for you and your family if a hurricane destroys your home. This will reduce the financial burden of finding alternative housing after a storm. Neptune policies offer temporary living expenses coverage as an optional add-on to a flood policies.

Why Choose Neptune Flood for Your Flood Insurance Cover?

You may wonder why you should choose Neptune Flood for your flood insurance coverage.

1. Enjoy Comprehensive Cover in High and Low-Risk Zone
Neptune Flood has the resources to cover its clients across the United States. Neptune can provide insurance coverage for flood damage even if you live in a high-risk zone.

2. Personalized and Flexible Coverage
No matter what type of coverage you need, Neptune Flood can provide a personalized and flexible policy. You can choose the coverage that best suits your needs and protect yourself from hurricane-related damage. Each property is individually rated, giving you a specific price based on your location.

3. 24/7 Claims Service
Neptune Flood offers 24/7 claims service with experienced adjusters to help you in case of an emergency. You can take advantage of their fast response time to file a claim and begin rebuilding.

4. Exceptional Service
Enjoy top-notch customer service and support from Neptune’s team of experts. Not only will they be there to help you throughout the entire process, but they can also answer all your questions and address any concerns.

5. Reliable Track Record
Neptune Flood has a proven track record of providing quality insurance coverage for hurricane-related damage. With over five years in the business, Neptune is well-equipped to provide reliable insurance solutions.

6. Flexible Premium Rates
Insurance premiums can be expensive, but with Neptune Flood, you can pay an affordable premium. They offer some of the most competitive rates on the market.

Contact Us at Neptune Flood

The right insurance coverage before a hurricane can provide peace of mind and financial security. Neptune Flood offers comprehensive coverage with personalized, flexible policies and exceptional customer service. With their reliable track record, you can trust that we will provide quality insurance solutions to protect your property from flood-related damage!