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  • Farmers Mutual SC.

How to Prepare for a Tropical Storm/Hurricane

Updated: Sep 20, 2022

According to NOAA, throughout the season, there are usually around 18 storms of which 3 are major hurricanes. Preparation for a hurricane is crucial to save thousands of dollars in damages. It starts with safeguarding your home and belongings as best as possible.

The Insurance Institute for Business and Home Safety recommends the following tips that can help protect your home from high-speed winds, hail, driven rain and flying debris.

Start by creating a hurricane emergency kit which includes some essentials needed to survive if you are stranded in a storm. The essentials are:

  • Water: One gallon per person per day for three days

  • Food: Three-day supply of food

  • Batteries

  • Flashlight

  • Battery-operated radio

  • First aid kit

  • Cell phone

Take the time to seal every point of your home. Seal entry points such as vents or cable access points. Caulk windows and door jambs, install impact-resistant windows and pre-install shutter hinges to install emergency storm shutters quickly.

Don’t forget to remove debris from gutters and allow proper drainage during a storm. No leaves, pine cones and trash shall stop water from flowing through them freely.

Don’t keep loose items outside such as furniture, grill, lawn mower, bikes, etc. Try to place all your outdoor items somewhere inside- anything that’s loose and easily be picked up by high winds.

Always pay attention to weather alerts and warnings. Don’t ever ignore an evacuation order. Know the difference between hurricane watch and hurricane warning. A hurricane watch means that hurricane conditions are possible somewhere within a particular area and they are issued 48 hours before the possible storm. Hurricane warning means hurricane conditions are expected within a certain area and are issued 36 hours in advance of expected form.

Think about getting portable generators to provide electricity if there is an outage during a storm. However, be careful! They give off carbon monoxide. Keep generators outside under a canopied structure. Never keep it in your house or even in your garage with the door cracked.

Last but not least, review your homeowner’s insurance policy. Some policies do not cover flood damage and you may need additional flood insurance to protect your home.

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