We might not be close to the coast, but if you have been in Western North Carolina long you know hurricanes are something to take seriously. The biggest threats come from strong winds and heavy flooding. Preparing in advance is key to keeping your family, home, and belongings safe.
At Mears Insurance Group, we want to ensure that our community is protected, especially when severe weather strikes. Here are some tips to help you prepare for hurricane-related wind and flooding in inland North Carolina:
1. Review Your Homeowners Insurance Policy
Before hurricane season, it’s crucial to review your current homeowners insurance policy. Standard policies may not cover flooding, and with the rising flood risks in our region, now is the perfect time to assess your coverage.
If you’re unsure whether your policy covers flood damage or if you need additional protection, contact us at Mears Insurance Group or review your current policy online. We’ll help you review and, if necessary, update your coverage to include flood insurance and protection from wind damage.
2. Prepare Your Property
Strong winds can cause significant damage to your home. Here’s how you can reduce the risk:
- Trim trees and branches: This helps prevent falling limbs from damaging your home or vehicles.
- Secure outdoor items: Furniture, grills, and other loose objects should be brought indoors or tied down.
- Reinforce doors and windows: Installing storm shutters or plywood can protect your windows from flying debris.
- Inspect your roof: Ensure your roof is in good condition and repair any loose shingles or tiles.
3. Create a Flood Plan
Heavy rains from hurricanes can cause flash flooding, even in areas not usually prone to floods. Here’s what you can do:
- Know your flood zone: Check your local flood maps to see if your home is in a flood-prone area.
- Move valuables to higher ground: If you have a basement, elevate important items to minimize damage.
- Install sump pumps: A sump pump in your basement or crawlspace can help remove excess water during a flood.
- Create a drainage plan: Ensure that gutters and downspouts direct water away from your home.
4. Prepare for Power Outages
Hurricanes often knock out power for days or even weeks. To prepare:
- Stock up on supplies: Have flashlights, batteries, a battery-powered radio, and enough non-perishable food and water for at least three days.
- Consider a generator: A backup generator can help keep essential appliances running during an outage. Make sure you know how to use it safely.
- Charge your devices: Keep phones, power banks, and other important electronics fully charged.
5. Create an Emergency Kit and Evacuation Plan
If you need to evacuate quickly, having an emergency kit ready can save precious time. Your kit should include:
- Important documents (in waterproof containers)
- Medications
- Basic hygiene items
- Non-perishable food and water
- First aid supplies
- Cash and extra keys
Additionally, make sure you have an evacuation plan in place. Know the safest routes and shelters in your area.
6. Stay Informed
As a hurricane approaches, stay updated with local weather forecasts and warnings. Keep a close eye on emergency alerts and follow evacuation orders if they are issued.
7. Review Your Auto Insurance
Flooding can also damage vehicles, and standard auto insurance policies may not cover flood damage. Check your coverage to ensure you have comprehensive protection that includes floods. If you need assistance updating your policy, Mears Insurance Group is here to help.
Protecting Your Home and Family with Mears Insurance Group
At Mears Insurance Group, we are dedicated to providing peace of mind during hurricane season and beyond. We offer personalized insurance solutions to ensure you’re fully prepared, whether you’re concerned about wind damage, flooding, or other risks associated with hurricanes.
Our agents are local experts who understand the unique needs of Morganton, Valdese, and surrounding areas. As one of the best insurance agencies near you, we offer tailored homeowners and auto insurance policies to protect your family and property during any storm.
Get Prepared Today
Don’t wait for a storm to be on the horizon—prepare today. Contact Mears Insurance Group to review your policies, get a quote, or discuss additional coverage options. Together, we’ll ensure you have the right protection in place, so you can weather any storm with confidence.
If you do experience hurricane-related damage, be sure to visit the Billing & Claims tab on our website for all the information you need to make a claim. We’re here to support you through every step.