May 24, 2013
2013 Hurricane season approaching - are you ready?
Nationwide Insurance offers tips for family, home, personal property
Columbus, Ohio - Homeowners should do what they can now to protect their home and property from hurricane season. A few precautions may ease some stress if and when that storm hits and you need help.
Nationwide Insurance is urging homeowners to observe National Hurricane Preparedness Week May 26 – June 1, 2013. Use the week to prepare an emergency kit, trim shrubs and trees, identify a safe place to take shelter when a storm hits and other precautions.
“We’ve learned a lot from our response to severe weather over the past few years. Taking some small steps now can go a long way toward preventing damage and helping you be more prepared if the unthinkable occurs,” said Pete Lore Nationwide associate vice president of Claims.
These tips on damage prevention and homeowners insurance coverage are meant to help you make decisions that may help you reduce your risks. We don’t know every risk and cannot guarantee these will work for you, but some of them may help you protect your most valuable assets – you and your family.
A few tips you may want to consider doing outside your home to help protect it from severe weather damage
- Keep trees and shrubs trimmed. Weak branches could fall on your home or your neighbor’s.
- Clear drains, gutters and downspouts of debris to help prevent drains from breaking during heavy rains and water flooding into your home.
- Extend and re-direct the downspouts close to your home to move the water away.
- If storms are forecast, secure lawn furniture and other objects that could be moved by strong winds.
A few tips you may want to consider doing inside your home to help protect against flooding
- Install a sump pump with a battery backup system.
- If you have a sump pump, test it now.
- Caulk cracks on the interior where you may have seen water in the past.
- Store area rugs and carpeting on higher floors to reduce the chances of rugs getting wet and growing mold.
- Move furniture and electronics off the basement floor.
Safety tips for you and your family:
- Put together an emergency kit – flashlight, batteries, NOAA all-hazard radio, first aid supplies, air horn, basic tools, extra car keys and extra eyeglasses.
- Identify a safe place to go in a storm. Share that with everyone in the house.
A few ideas for your consideration to help protect your personal property
- Inventory your valuables, including approximate value and date purchased. Pictures or videos are great.
- Store mortgage and other important papers in a safe deposit or fire safe box.
- Add your insurance company’s claims number to Contacts on your cellphone.
- Read and understand your insurance policies, especially your deductibles. Talk to an agent to make sure you have the appropriate amount of insurance coverage to protect what matters most to you.
- Consider buying flood insurance. Most homeowner insurance policies don’t cover flooding. Specialized flood coverage through FEMA’s National Flood Insurance Program is available to most homeowners. Nationwide is a Write Your Own flood carrier so a flood policy is available for purchase through most Nationwide Insurance agents. Remember, a flood insurance policy takes 30 days to take effect, so don’t wait until the last minute if you think you need flood insurance. You can visit http://www.floodsmart.gov to learn more.
Nationwide Mutual Insurance Company, based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor’s. The company provides customers a full range of insurance and financial services, including auto insurance, motorcycle, boat, homeowners, pet, life insurance, farm, commercial insurance, annuities, mortgages, mutual funds, pensions, long-term savings plans and specialty health services. For more information, visit www.nationwide.com.