Peak hurricane season is at our doorstep, Virginia! August 15th to Sept 20th is when we see some of our most active weather in the tropics. September 10th statistically marks the height of Atlantic hurricane season. NOAA has just updated their forecast from normal tropical activity to above-normal for the 2019 season because El Nino has now ended. Experts are now predicting up to 10-17 named tropical storms for the Atlantic hurricane basin. Don't put down your guard; 2-4 of those are expected to turn into destructive hurricanes, Category 3 or higher!
Here at NNINS, we never underestimate the possible impact any hurricane will have on Virginians and for good reason. We know from experience it only takes one of these tropical cyclones to devastate property and result in costly damage and flooding. Your family should prepare by having a good plan. We also have a handy guide just for Virginians with trusted resources.
We often get asked how to protect a home from hurricane damage? You hope for the best, and plan for the worst. In that spirit, we can tell you how best to shield your home from the top 3 risks for hurricane damage. The answers to the following 3 questions could save you a ton of heartache from whatever is in store for the Commonwealth this fall.
Will your roof protect everything under it?
Your #1 preemptive weapon in your home’s arsenal is its roof. It’s also the most susceptible to costly damage. We can’t emphasize enough how important it is that you maintain yours with an annual professional inspection. Virginia has already experienced its share of wild spring weather so get an inspection annually and anytime you suspect it could be been damaged.
Are your gutters and downspouts open for business?
Your gutters and downspouts are 2nd in line for protecting your home from the rainy deluge that hurricanes often bring. They need to drive all that rainwater down and away from your foundation. They can’t do it if they’re full of debris from the previous seasons. Annual maintenance is crucial to waterproofing your home during extreme and sustained rainfall.
Do you have the right coverage?
This is the most important question. When was the last time you updated your insurance policy? It's so critical to speak to your independent agent to make sure you are sufficiently covered for hurricane season, especially if you’ve done anything to your home that added value. Ask your agent for an insurance checkup to make sure you have enough homeowners insurance to repair or even replace your home. Don’t forget coverage for your car or boat. Also, remember standard homeowners insurance doesn’t cover flooding. Whether you’re a homeowner or renter, you’ll need a separate policy flooding. It’s available through the agent locator at www.floodsmart.gov. Act now; flood insurance requires a 30-day waiting period.
Let’s hope peak season doesn't impact Virginians this year but always prepare for the unexpected. Start by getting good answers to these 3 important questions. Then protect your family; build an emergency kit and stay informed with local alerts. And let us know if we can be of service to you or provide a homeowners insurance quote with an independent agent in your Virginia community. We are a Virginia-only insurer by choice and have lived through hurricanes since 1896! We specialize in preserving the things Virginians value most and would be honored to protect yours.