How to Prepare Your Home for Hurricane Season During the Coronavirus Pandemic

How to Prepare Your Home for Hurricane Season During the Coronavirus Pandemic

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Hawaii’s hurricane season starts on June 1 and runs through the end of November. Local residents should be proactive and make storm preparations ahead of time to avoid or minimize potential losses.

In fact, this may be the opportune time to stock up on supplies and do some preventative maintenance around the home:

Roof

Check for any damage from heavy rains and gusty winds and make any necessary repairs to reduce the possibility of leaks.

roof-home-maintenance

Roof

Check for any damage from heavy rains and gusty winds and make any necessary repairs to reduce the possibility of leaks.

roof-home-maintenance

Gutters and Downspouts

Clean leaves and other debris from gutters and downspouts to keep water flowing and reduce the possibility of flooding and water damage.

gutter-downspout-home-maintenance

Gutters and Downspouts

Clean leaves and other debris from gutters and downspouts to keep water flowing and reduce the possibility of flooding and water damage.

gutter-downspout-home-maintenance

Yard

Trim overgrown or dead tree branches to keep them from falling during high winds and causing injury or property damage, and also away from live utility wires. If you have any outdoor furniture, be sure to fasten them down securely when the hurricane hits. Damages could be caused by flying debris.

yard-home-maintenance

Yard

Trim overgrown or dead tree branches to keep them from falling during high winds and causing injury or property damage, and also away from live utility wires. If you have any outdoor furniture, be sure to fasten them down securely when the hurricane hits. Damages could be caused by flying debris.

yard-home-maintenance

Windows and sliding glass doors

Make sure they are all secured by wedging them so that they do not unhinge off their tracks.

sliding-door-home-maintenance

Windows and sliding glass doors

Make sure they are all secured by wedging them so that they do not unhinge off their tracks.

While doing any home maintenance or improvements, this is also a good time to “upgrade” your homeowner’s insurance policy. Call your DTRIC insurance agent to discuss any home improvements or valuable purchases you have made to ensure you are properly covered. Also, create or update the inventory your belongings in case you need to claim due to damage or loss from a hurricane or tropical storm.

However, please be aware that once a tropical storm or hurricane warning is issued by the National Weather Service, a moratorium on insurance policies immediately takes effect. This moratorium includes:

• No new personal homeowners or personal auto insurance policies will be issued.
• No new commercial property or commercial auto insurance policies will be issued.
• No increases in values and limits will be accepted for existing in-force policies.
• No changes in deductibles or adding of physical damage (when there was no such coverage previously) will be accepted.

These policy guidelines will remain in effect until the storm has passed and your insurance company lifts the moratorium.

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