Homeowners in storm-prone areas must be ready for a possible evacuation as hurricane season approaches. Hurricanes and other natural disasters endanger both life and property which is why it is essential to create an emergency plan for your home to minimize the effects. If you have a mortgage and are a homeowner, we want to make sure you are protected during these times. Let’s take a closer look at what you should do when preparing to evacuate from a hurricane.
As a homeowner with a mortgage, it's important to be prepared for a hurricane evacuation.
In the event that you need to evacuate, it is important to plan where you are going. Other important details include how you’ll get there when you need to leave, and what you need to bring. It is a good idea to create an emergency plan (communicated to your household) that can be followed if there is a need to secure your house and/or evaluate it. Create an emergency kit, make sure you understand the various emergency alerts, and be sure to check your insurance coverage prior to the storm or natural disaster.
Make sure your house is secure before you leave. Turn off all utilities and shut and lock all windows and doors. Additionally, you may need to board up your doors and windows. Items like patio furniture and other outdoor or exposed objects should be safely stored or secured.
Before you leave your house, take pictures of it. This will assist you in recording any hurricane-related damage. Take pictures of the outside of your house AND take pictures of the inside too. This will help you make a detailed list for your insurance company if you sustain damage and need to file a claim.
Before leaving, make plans for your pets if necessary. You can either bring them along with you, board them with a friend or relative, or take them to a sanctuary for animals. Don't overlook their necessities as well. Food, water, medications, and any other items they might need, like vaccination records, should be brought.
When there is a power outage, ATMs and credit card readers likely won’t work. Carry enough cash with you to cover your daily expenses throughout the evacuation time, including gas, food, and lodging. Once you are in a safe place, with power, a credit card can be beneficial.
When evacuating or riding out a storm in place, it's essential to have a supply of necessities that can sustain you for several days. These supplies may include:
For homeowners, safety should come first during a hurricane. Rapid evacuation and having the appropriate supplies on hand can significantly reduce risks and keep you safe during a storm. Consider the advice and take the required actions to be ready for any potential evacuation to keep yourself and your property protected.
For over 90 years the expert staff of loan officers and servicers at Standard Mortgage (NMLS#44912) have been helping homeowners with all of their mortgage needs.