Severe weather can strike with little warning, bringing high winds, heavy rain, or hail that put your home and family at risk. A little preparation can prevent damage and keep everyone safe.
This checklist covers the key steps you can take before a storm arrives. Use it room by room and outside your home so that you’re ready. Even if you can only tackle a few items at a time, each one makes your home stronger and your family more secure.
Preparations for Home Safety
Creating a comprehensive home safety checklist involves several key actions. Below are some steps you should consider:
- Install storm shutters
- Secure outdoor items
- Check your roof and gutters
- Inspect your insulation
- Stock up on essential supplies
- Create a family communication plan
Having these preparations in place can make all the difference when a severe weather event strikes.
Review Your Insurance Coverage
Even the best preparations can’t stop all storm damage. Many homeowners are surprised to learn that standard policies exclude certain types of water damage. Wind and hail coverage may have separate deductibles, which can be much higher than your regular deductible.
Pull out your policy now. Read through the declarations page and the exclusions section carefully. If the details seem confusing, get expert insurance advice from trusted professionals. A professional who understands windstorm and severe weather coverage can explain what your policy covers.
If you have made improvements to your home, such as a new roof or impact-resistant windows, inform your insurance company so those upgrades are reflected in your coverage. Keep a home inventory with photos or video of your belongings, stored in the cloud or a safe deposit box.
Secure Doors, Windows, and Other Openings
Windows and doors are the most vulnerable points when a storm hits. Flying debris can shatter glass. Once wind enters your home, pressure can build and cause walls or the roof to fail. Storm shutters should be in good working order. Practice installing them before a warning is issued so you can move quickly when the time comes.
If shutters aren’t an option, cut plywood panels to fit each window and label them clearly. Store the panels in a dry place where you can reach them fast. Pre-drill holes for screws so you aren’t fumbling in the dark or rain.
Build an Emergency Kit and Family Plan
When severe weather hits, you may need to manage without power, water, or phone service for several days. Assemble an emergency kit now so you aren’t scrambling at the last minute. Include one gallon of water per person per day for at least three days, non-perishable food, a manual can opener, flashlights, extra batteries, a battery-powered or hand-crank radio, a first aid kit, medications, and personal hygiene items.
Keep your vehicle’s gas tank at least half full during storm season, and have a car charger for your cell phone. If you have pets, prepare a go-bag with food, water, leashes, and vaccination records. Emergency shelters require up-to-date immunization proof for animals.
Stay Prepared and Keep Your Home Safe
With a home safety checklist and a comprehensive emergency plan, you can improve your household’s safety. Prioritize your safety, and be prepared to avoid potentially dangerous situations.
