June 1, 2024 marked the beginning of the 2024 Hurricane Season. Are you prepared?

Outdoor Insurance Services wants to ensure that you and your loved ones are well-prepared
and protected against the potential impact of severe storms. Texas, being a coastal state, is no
stranger to the dangers hurricanes pose, and it is crucial to take proactive steps to safeguard
your home and property. This year, NOAA is predicting an above-normal Atlantic Hurricane
Season. Follow this link to read more about NOAA’s 2024 prediction.

Understanding Your Coverage
Before we delve into hurricane preparedness, let’s review your insurance coverage. Your
homeowner’s insurance policy should cover most damages caused by hurricanes, including wind and hail damage. However, it does not cover damage from rising waters, such as floods, caused by hurricanes. You will need to make sure you have Flood Insurance in addition to your homeowner’s policy. It’s essential to confirm the specific details of your policy, such as deductibles and exclusions. If you have any questions about your coverage, don’t hesitate to contact our dedicated team of insurance experts.

Hurricane Preparedness Tips

1. Create a Family Emergency Plan: Develop an emergency plan with your family to ensure
   everyone knows what to do in case of an evacuation. Establish meeting points, discuss
   communication channels, and assign responsibilities to each family member.
2. Secure Your Property: Trim trees, clear debris, and secure loose items in your yard to
   minimize potential damage caused by strong winds. Reinforce your home’s doors and windows,
   and consider installing storm shutters for added protection.
3. Review Your Evacuation Route: Familiarize yourself with the designated evacuation routes in
   your area. Stay informed about local authorities’ instructions and be prepared to evacuate
   promptly if necessary.
4. Create a Disaster Kit: Assemble a disaster preparedness kit containing essential supplies
   such as non-perishable food, water, flashlights, batteries, first aid items, and important
   documents. Be sure to include enough supplies to sustain your family for at least three days.
5. Stay Informed: Keep an eye on weather updates from reliable sources, such as the National
   Hurricane Center and local authorities. Follow their guidance and take necessary precautions
   accordingly.

Filing an Insurance Claim
In the unfortunate event that your property sustains damage due to a hurricane, follow these
steps to file a claim:

1. Ensure Safety: Prioritize your safety and the safety of your family. If needed, seek medical
   attention for any injuries and report any immediate dangers to the appropriate authorities.
2. Document the Damage: Take photographs and videos of the damage to your property and
   belongings. This visual evidence will be helpful when filing your insurance claim.
3. Contact Us Promptly: Reach out to Outdoor Insurance Services as soon as possible, and we
   will walk you through the claims process and provide the necessary assistance.
4. Prevent Further Damage: Take reasonable steps to prevent further damage to your property.
   This may include temporary repairs to stop leaks or securing exposed areas.
5. Keep Records: Maintain a record of all communications with your claims team, including
   dates, names, and summaries of discussions.

For more information on the 2024 Atlantic Hurricane Season, click here.