Severe Weather Insurance

Lacking Coverage: Avoid the Headache of Dealing with Damages Due to Severe Weather

June 1st through November 30th is a period that many Texans know as Hurricane Season. Many residing in the Valley typically believe that if a major storm hasn’t struck by the end of July, then the season is all clear. This couldn’t be further from the truth. As a matter of fact, one of the most severe storms to ever strike the region, Hurricane Beulah, arrived later in the season and caused a tremendous amount of damage.

Even now, the storm has served as a reminder of just how serious these natural occurrences can be. Be cautious and know that a strong storm can hit at any time. Let’s go over what you should do if the unfortunate happens and one of these monster storms strikes your area.

A Historical Hurricane

On September 20, 1967, Hurricane Beulah made landfall, bringing with it over 130 MPH winds, causing major flooding and spawning several tornadoes across the region. In the end, over 200,000 were left homeless, 40 people were killed and $1 billion in damages were reported. 24 counties were also declared disaster areas as a result. The storm showed the Lone Star State and the rest of the nation just how dangerous a hurricane could be. In 2005, Hurricane Katrina struck New Orleans, LA, creating a disaster witnessed by the entire nation. What can you do to prevent injury or death during these catastrophic events?

What You Should Do

There are several things you can do to properly prepare for a hurricane. The most important is making sure your home is braced. You’ll want to board up your windows if possible, or at the very least, cover them with a thick material, such as tarp. If you own outdoor furniture, store them away in a shed or bring them into your home, otherwise there may be a risk of high winds turning them into dangerous projectiles that can cause further damage/injury. If storage is an impossibility, brace them to immovable objects.

When it comes to your windows, like we mentioned above, cover them as best you can. High winds or projectiles like branches, twigs and other objects can shatter windows almost effortlessly. Boards can help prevent this from happening. If using other materials, like tarps, glass can be prevented from flying about. Also take the time to clear out your gutters to prevent rainwater from overflowing and damaging your roof.

As for your family, if no evacuation order has been given, feel free to leave the area nonetheless if you feel the need to. Just make sure to secure your home before leaving. If you decide to ride the storm out, there are some supplies you’ll need:

  • Bottled water
  • Batteries of different sizes
  • Canned and other non-refrigerated foods
  • A battery-powered radio
  • Flashlights/candles
  • A first-aid kit
  • Towels

It’s also best to fully charge your mobile phone before a storm hits in case electricity goes out.

Purchasing Coverage

Windstorm coverage is the most familiar term used in the insurance industry, and while it’s separate from homeowner’s coverage, it can help cover your property. One of these policies can also include outdoor items like swimming pools, flagpoles and fences.

It’s also a good idea to consider flood insurance, especially if you reside in a low-lying area prone to overflows during heavy showers. Car insurance is another type of coverage since many different vehicles suffer damage due to falling branches, collapsed trees, flying projectiles and even collapsing garages.

For a complete rundown of insurance coverage, get in touch with us.

Get Covered Today!

Severe storms like hurricanes are rare in the Valley, but they do happen. As the past has shown us, we should never take these natural occurrences for granted. When it comes to your home and family, you shouldn’t either. Contact our insurance agency in McAllen today to get a better idea of why purchasing insurance is important.

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