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Hurricane

10 steps to prepare for a hurricane

hurricane winds pound the shore

Sometimes Mother Nature has a way of reminding us who’s in charge. While you can’t control when or where a hurricane will hit, the best way to minimize potential damage is to be prepared.

 

Hurricane Prep Tips

When a major storm is coming, stay informed by following NOAA Weather radio or your local news channels for updates. In addition, make sure to obey all evacuation orders when issued by authorities. Follow these 10 hurricane and storm preparation steps to help keep your home and loved ones safe before disaster strikes.
 

  • Make a plan
    If evacuation is necessary, turn off all utilities and follow the applicable community disaster preparedness plans. Select a common meeting place or single point-of-contact for all family members. If you have pets, have a plan for their evacuation as well.
     
  • Secure the exterior
    Trim large trees and shrubs and bring all outside patio furniture, potted plants, bikes and toys indoors. If necessary, secure outdoor sculptures with burlap or blankets tied with rope.

  • Install storm shutters
    Protect windows, doors and skylights with appropriate shutters or impact-resistant glass. You can nail pieces of plywood to window frames as last-minute protection.*

  • Move your cars
    Move your vehicles to higher ground or park in your garage or carport. Do not park under trees, power lines, or in low lying areas. If you do not have a garage, move your car to higher ground or park it tight against the house to provide some deflection of wind. A tight-fitting car cover may also provide some protection. Additionally, you may want to consider a storage facility that is not located in an expected flood area.
     
  • Charge your electric vehicles (EVs)
    For electric vehicle owners, ensure that your vehicle’s battery is fully charged before the hurricane arrives. Flood waters also pose a potentially dangerous fire threat to electric vehicles, so find a secure location like elevated ground or a parking garage to protect your vehicle from potential flood damage.  
     
  • Check wall hangings and art
    Make sure wall hangings are secure and take notes about your art collection and any existing damage. Make sure that art hung on outside walls are taken inside, and elevated off the floor. Click here for more tips on how to help protect your art and other valuables from severe storms, winds, and floods.
  • Power up
    Fill your car’s gas tank, charge your cell phone, test your generator and have plenty of fuel ready in case of power outages.
     
  • Unplug appliances
    Move appliances and household fixtures away from exterior doors and window openings. Store them in cabinets or interior closets.
     
  • Store important documents
    Keep important documents, such as legal papers, birth certificates, marriage license, financial papers and insurance policy information, as well as valuables such as jewelry, in a safety deposit box or in a bolted safe in an interior closet in your home.
     
  • Prep an emergency kit
    Gather flashlights, a portable radio, extra batteries, non-perishable food, bottled water, cash, blankets, clothing and toiletries.
     
  • Identify a shelter room
    This enclosed area should be on the first floor, in the central part of the house with no windows. Avoid all unprotected windows and doors until the storm passes.

For more tips on how to prepare for a hurricane, check out these resources from Ready.gov.
Already a Chubb client? Log in to review your coverage.

 

* Your policy may contain a requirement to install and secure storm shutters that have been previously approved by Chubb to qualify for the hurricane deductible that applies to your policy.  The information contained in this document does not alter the terms and conditions of the policy.

This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.

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