Protecting Your Coastal Home During the 2023 Hurricane Season

If you own a coastal home, you must act to protect your investment. That includes having adequate coastal home insurance for the upcoming hurricane season. Experts predict the 2023 Hurricane season will have more significant movement, with 14 named storms, including eight hurricanes and three major hurricanes.

Understanding Coastal Home Insurance Coverage.

Standard homeowners’ policies do not cover flood insurance. Therefore, those living in flood zones or near rivers and streams should add flood insurance. You can purchase flood insurance through Dickstein Associates Agency, a Division of Risk Strategies, Co., or the National Flood Insurance Program.

Private flood insurance and NFIP policies are available, with lower premiums, total replacement costs, and loss-of-use coverage. Windstorm coverage is also advisable for protection against severe wind damage. We have outlined the following list for fortifying your home for the 2023 hurricane season.

Fortifying Your Coastal Home for the 2023 Hurricane Season.

1. Inspect the Exterior: Check your roof, walls, and foundation for wear or damage and repair as necessary.
2. Secure Windows and Doors: Install hurricane shutters or 5/8-inch plywood and impact-resistant windows and doors.
3. Strengthen the Roof: Add hurricane straps or clips and a secondary water barrier.
4. Trim Trees and Landscaping: Regularly trim trees and shrubs and remove dead or dying trees.
5. Secure Outdoor Items: Anchor outdoor furniture and other loose items and reinforce the garage door.
6. Install a Backup Generator: Ensure you have access to essential services during power outages.
7. Check Your Drainage System: Clear gutters and downspouts of debris for proper water flow during heavy rainfall.
8. Elevate Critical Systems: Raise electrical panels, switches, sockets, wiring, and appliances above potential flood levels.
9. Flood-Proof Your Home: Install flood vents or elevate your home on pilings or columns to minimize storm surge impact.

Preparing for Emergencies and Hurricanes.

Develop an evacuation plan, ensuring all family members are familiar with it. Keep essential documents in a waterproof container and have a specific meeting spot if you need to evacuate. Stay informed by monitoring local news and weather alerts and having a battery-powered weather radio. Sign up for emergency alert notifications from your local government, and keep your smartphone charged.

Reviewing Your Coastal Home Insurance Is Essential.

Your home is one of your essential investments, so protecting it with the appropriate coastal home insurance policy is essential. Review your policy to confirm adequate coverage for your home’s value and specific risks. Given the shocking rise in rebuilding costs and escalating home prices, checking your policy limits and features annually is crucial.

We recommend you use your review to understand your policy’s coverage limits, deductibles, and exclusions and discuss flood insurance and other appropriate coverages with a trusted insurance adviser.

Choosing the Right Insurance Agency.

Selecting the right insurance agency is vital for protecting your coastal home. Dickstein Associates Agency, a Division of Risk Strategies, Co., is a highly qualified coastal home insurance specialist, so we fully understand the unique challenges. With decades of experience, we provide comprehensive coastal home insurance coverage tailored to meet your needs.

Our team of experts is dedicated to helping you navigate the complexities of coastal home insurance. We work closely with you to determine the right coverage for your property and ensure that your home is protected from the financial impact of hurricanes and other coastal hazards. By taking these steps to fortify your coastal home, you can minimize potential damage and ensure the safety of your family and property during the hurricane season.