How Do You Prepare a Home Before a Hurricane?

Before a storm, review your homeowners or renters insurance to understand what damage is covered. Flood damage often requires a separate policy, so check whether you have it. Policies vary, and your insurer decides what is covered.

Take photos or a video of each room, including closets and the garage. Store these records in a waterproof bag or a digital cloud. This evidence helps if you need to file a claim after the storm.

• Photograph electronics, furniture, and appliances
• Note serial numbers and estimated values
• Keep copies of your policy and contact info
• Store records in a sealed plastic container

Move furniture, rugs, and electronics to upper floors or elevate them on blocks. Place important documents in waterproof containers. Unplug appliances and turn off electricity at the main breaker if flooding is likely.

Seal gaps around windows and doors with weather stripping or caulk. Clear gutters and downspouts so rainwater flows away from your foundation. If your home has a low-lying area prone to flooding, take extra steps to protect it from water entry.

• Elevate valuables at least one foot off the floor
• Use plastic sheeting to cover furniture
• Store important papers in a fireproof and waterproof safe
• Turn off water at the main shutoff valve

Assemble supplies for at least three days: water, non-perishable food, flashlights, batteries, a first aid kit, and any daily medicines you take. Include a battery-powered radio to hear weather updates. Keep cash on hand because ATMs may not work after a storm.

Fill your car's gas tank and have a hand-crank phone charger. If you have a pet, pack food and water for them too. After the storm, check for downed power lines and standing water before entering any flooded area. Stay away from floodwater that may contain chemicals or sewage.