Life is complicated, insurance doesn't have to be.
Read time: 5 minutes
You hear them outside, groaning and murmuring about “brains.”
You never thought this day would come.
But here you are, trapped in your house, unprepared for the
You reach for your last cracker, a sad attempt at a meal.
No, this blog isn’t about zombies, but it could be.
Preparing for storm season is similar to preparing for the
fabled zombie apocalypse. So, why not take the extra motivation to
prepare for both?
We talked with our claims team about how to prepare for
storm season and they gave us seven tips you probably haven’t
1. Photograph or video the interior and exterior of
This documents the type and condition of your interior and
exterior materials, as well as the personal property in your house.
This is a relatively quick way to inventory your valuables and contents.
Use this time to also complete any maintenance tasks. While
maintenance is typically not covered under your policy, it can lead to
larger issues later.
2. Make sure your homeowners insurance policy is
up to date.
Tell your agent about any major improvements or changes to
your house. Your insurance policy can’t cover something that your
insurance company doesn’t know exists.
Some of the home improvement projects to discuss with
your agent include:
This is also a good time to consider adding more coverages to
your policy, such as: Inland Flood coverage, Undamaged Siding and
Roofing endorsement. If you are at a higher flood risk, you may
also want to consider flood insurance before storm season. Contact
your agent to discuss what additional coverages or policies may be
right for you.
Read more: Homeowners
Insurance & Roof Storm Damage: 5 Things You Absolutely Need to Know
3. Make physical copies of important contact information.
We are accustomed to having phone numbers saved in our
cellphone, but when the power is out you may find yourself needing
to know important phone numbers without your saved contacts. Print
contact information for people or organizations you may need to
contact from a different phone and store it in a waterproof
container. Some contacts to include on your list may be:
In addition to your insurance agent’s contact information,
it’s a good idea to have a copy of your homeowners insurance
policy available. If you have online access to your policy, make
sure you remember your login credentials. Auto-Owners policyholders
can access their policy 24/7 by signing in to our website.
Read more: Storm
Damage & Homeowners Insurance: 5 Things You Need to Know
4. Assemble a comprehensive emergency kit and
store it in a cool, dry place.
You know you need non-perishable (canned or boxed) food and
bottled water on hand in case of emergency. But a
comprehensive emergency kit is more than food. And it
shouldn’t be stored in a cardboard box. Keep your supplies in an
airtight container to keep water and curious critters out.
According to Ready.gov , your
emergency kit should have enough supplies to last your family
several days and include:
A camp stove or other means of cooking without power is a
great idea, but never use equipment designed for outdoors in
an enclosed area. This poses a huge fire risk, as well as carbon
5. Consider purchasing plywood, nails, straps etc.
before a storm is on the way.
Depending on your location, such as coastal areas, having
some items stored away to secure your home can be helpful.
Prices for these items can go up and materials can be scarce
with a storm on the way. Stocking up on some of these now may save
you time and money later.
Read more: 10
Quick & Easy Home Tips to Prepare for Severe Storms
6. In case of an evacuation, consider preparing a bag
of basic essentials for each family member.
Include basic clothing and hygiene products, as well as
device charging cables, headphones and battery packs to last you a
few days. Also consider bringing a small battery-powered radio in
case cell service is lost. Don’t forget pet essentials! Keep these
go bags handy if evacuation is a possibility.
7. Practice your family’s emergency plan!
Your emergency plan is only as good as your family’s
understanding of it! You have storm and fire drills at school and
work, why not home too? Take some time to rehearse how your family
will use your emergency plan and ensure everybody knows where the
plan is kept, along with all your emergency supplies.
If you don’t already have a documented emergency plan, Ready.gov provides templates to
document your family’s emergency plan. They recommend your emergency
plan address these questions:
We hope these tips help you prepare for this storm season.
And it might just prepare you for zombies someday too.
You can thank us later.
*Products referenced may not be
approved/available in all states. Limitations and conditions
may apply. Premium will be based on benefits chosen and
policy rates available at time of application.
Disclaimer: This article is not expert advice. The
analysis of coverage is in general terms and is superseded
in all respects by the Insuring Agreements, Endorsements,
Exclusions, Terms and Conditions of the Policy. Some of the
coverage mentioned in this material may not be applicable in
all states or may have to be modified to conform to
applicable state law. Some coverages may have been
eliminated or modified since the publishing of this
material. Discounts may not be available in all states.
Limitations and conditions may apply. Premiums will be based on
benefits chosen. Please check with your local Independent
Auto-Owners Insurance Agent for details."
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