2014 Charleston Hurricane Season Has Arrived

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We are well into Charleston hurricane season and it is time to provide a refresher on hurricane safety and preparation. Do you have the proper homeowners insurance?  e have been fortunate over the past number of years. Hurricane Hugo caused over 7 billion dollars of damage. There’s no way of knowing. Even during an inactive season, a single storm can leave its mark on history. Conversely, very active seasons like 2010 can yield no landfalls for the U.S. Within the season, the core months of Aug.-Sep.-Oct. comprise roughly 78% of the season’s total hurricane activity. Now is the time to have us complete a review of all your home and auto insurance needs.

Remember The Key Terms

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

At Cliff Heath Insurance, we aren’t trying to make you laugh with a Lizard or a snappy commercial but to inspire confidence and trust in the coverage we secure. Our desire is to build relationships with our clients that inspire the right conversations about risk and give you understanding and wise counsel in regards to your personal or business risk management.

September 16th, 2014 by Cliff Heath Insurance