Though high winds can cause significant damage to your home, they are not the most dangerous part of a hurricane. Learn about the dangers of storm surge and how to protect your property.
During a hurricane, storm surge is the most dangerous threat to life and property. About half of lives lost during hurricanes are due to storm surge, and billions of dollars in property damage is possible from a single storm.
To help you understand the risk of storm surge as we make our way into hurricane season, here are some facts about this hazard and what you can do to protect yourself.
The Most Dangerous Part of a Hurricane: What Is Storm Surge?
Storm surge refers to the abnormal rising water levels near the coast caused by high hurricane winds. Water is displaced onto coastal land, causing flooding in low-lying areas. When combined with rough ocean waves, storm surge can not only cause water damage and mold infestation to at-risk homes but also structural damage. During especially destructive storms, these factors can make your home uninhabitable.
Steps to Take to Protect Your Home
If your home is located in an at-risk area, it is critical to be ready to evacuate and to prepare your property well in advance. Taking these steps could cover you in the event you experience the most dangerous part of a hurricane, storm surge, in your area.
Purchase Flood Insurance
If you do not have a flood insurance policy for your home, you should get one now. Homeowners insurance and hurricane insurance do not usually cover water damage caused by flooding. Be advised: there is usually a 30-day waiting period before your policy coverage takes effect.
Seal All Windows and Doors
Sealing your home’s windows and doors can prevent water from seeping in if flooding is not severe. You should also upgrade your windows and doors with models that can withstand hurricane-force winds.
Don’t Wait to Buy Sand Bags
Sand bags piled on top of one another can divert water away from your home. Many Florida residents wait until it is too late to stock up on this simple yet effective method. You should buy enough to form a two-foot wall in front of your home to keep the water at bay. Start buying your supply now so you can have it ready for the next storm.
Search for and Repair Cracks in Your Home’s Foundation
Cracks in your home’s foundation can allow water to enter the lower levels of your home. Before we get too far into hurricane season, it is important to inspect your foundation and repair any cracks that you see.
Insurance settlement not enough to cover repairs? Talk to a property insurance attorney with winning experience.
If your home is damaged by flood waters and your insurance denies or underpays your claim, we are here to help. Get in touch with RRBH Law today. We are experienced in insurance litigation and deliver results for our clients.