Prepare for Severe Summer Weather
Here in Texas, we’re no strangers to severe weather.
Sure, there was that big winter storm in 2021, but summer storms can pop up and pack a powerful punch, too.
Summer is also home to hurricane season, with the heightened risk of high winds and torrential rains creating chaos along the Gulf Coast and further inland.
But a little forethought today might mean the difference later between experiencing a summer storm comfortably or having to deal with costly property damage.
So, here are some tips to help you “weather” summer storms.
Prepare your yard or patio
- When storms are predicted, make sure that there is nothing that could blow around and damage your home or patio. This includes plant stands, birdhouses, wind chimes and other yard decorations.
- Have a safe place to store lawn furniture.
- Keep your yard clean. Trim trees and branches near your house that might fall during high winds. (If you have older or very large trees near your home, consider having a certified arborist assess their health and stability.)
- Keep drains and gutters clear to allow water to drain properly.
Ready your home or apartment
- Purchase surge protectors to protect electronics from sudden electrical surges.
- If your house is situated on a hill or in an open, flat area, it might be more likely to attract lightning. Consider buying a lightning rod or investing in a lightning protection system to protect your home, appliances and electronic devices.
- During a storm, avoid using electronic devices connected to an electrical outlet.
- Make sure your entire family knows where to go in your house to be safe from high winds or tornadoes.
- Keep your cell phone charged when severe weather is a possibility. (Consider downloading a free weather app so that you will receive alerts.)
- When hurricanes loom, keep sufficient food, medication, bottled water and pet food on hand to last two or three days, minimum.
- Inventory your home belongings and take photos of valuable items. Save the list and any photos on a flash drive so that you’ll have easy access should you need to file an insurance claim.
A special word about floods
Did you know that FEMA says people who live in an area with low or moderate flood risk are five times more likely to experience a flood than a house fire in the next 30 years?
Although destructive floods aren’t commonplace in Central Texas, they do occur from time to time. Yet flood damage is not usually covered under typical home insurance policies.
Wondering if flood insurance is right for you? Visit the FEMA’s online Flood Map Service Center page. Type in your address, and it’ll indicate if you are in a designated flood-prone area. With this information in hand, you and your insurance agent can then start a serious conversation about the pros and cons of purchasing flood insurance.
We’re here to help
Naturally, the best time to meet with your insurance agent is long before lightning, storms, floods, tornadoes or hurricanes strike.
Luckily, the RBFCU Insurance Agency Team is knowledgeable about what type of policies you need to ensure that your most important assets — you, your family and your home — are covered in severe weather. Reach out today to one of our friendly, experienced insurance agents for a free consultation or to get an online quote.
Information in this article is general in nature and for your consideration, not as financial advice. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.
RBFCU Insurance Agency LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; are not obligations of the credit union; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC or RBFCU.