Are You and Your Home Protected and Ready for Tornado Season?

Tornadoes are a fact of life in Florida, and it seems that more of these powerful storms impact the people who live here each and every year. There are some steps that you can take to ensure that your family and your home are protected - both physically and financially - when these storms rear their ugly heads. 

Preparing Your Home

Believe it or not, there are lots of things that you can do to prepare your home and property for the impending tornado season, and some of these can even help you save money on your homeowners insurance. For instance, you could replace a gravel driveway with the shredded bark products that are available all over the country these days. It’s less expensive to maintain in the long run and it does far less damage when it is airborne. You could also consider installing windows that are designed to resist impacts; this is a great investment in the long run because it also provides better insulation than traditional windows. Finally, make sure that all of your lawn furniture and decorations are secure.

Make a Home Inventory List

If you have never created a home inventory list or the one you are currently relying on is outdated, you might want to consider making one. To do it, simply walk around your home and write down everything you own that is of value; electronics, appliances, jewelry, expensive clothing, artwork, décor, heirlooms and more can all go on this list. Then, write down each item’s approximate value before making two copies – one for yourself and one for your insurance company. In some cases, you might even want to attach photos in the event of any discrepancies. Then, in the event that the worst happens, you’ll know exactly what you need to replace.

During the Storm

When bad weather strikes, there are some things to keep in mind. First, you should know the difference between a tornado watch and a tornado warning. A watch means that conditions are favorable for a tornado, but a warning means that one has been spotted and that the brunt of the storm is imminent. You should seek shelter in the lowest level of your home – preferably a basement – in an interior room or closet with no windows. Listen to a battery-powered radio and only come out once the all-clear has been given.

Cleaning Up

If you are provided with the all-clear to reenter your home after a significant event, you should take precautions. Always wear a mask, gloves, and shoes that fit well and protect your feet from sharp debris. Your standard insurance policy will cover damage from tornadoes in most cases, so if you don’t have one, you can go to www.cheapinsurancefl.com to find your best options. If you do have one, make sure that you contact your representative or agent immediately following the event. In some cases, you may receive funds to stay in a hotel until alternate arrangements can be made, and this can certainly make life easier after such a traumatic event.

Tornadoes are terrifying and destructive, but they are a part of life for almost everyone in Florida. Knowing what to do before, during and after the storm can not only save your sanity, but also your life.