After severe storms like Hurricane Fred, many property owners must file homeowners insurance claims due to the damage. You can minimize or avoid the expense and hassle of such a claim by taking precautions before the weather arrives. Here's how to safeguard your home against tropical storms.

How to Remain Safe From Tropical Storm Damage

1. Trim Back Tree Branches

High winds cause heavy branches to buffet your home. This can damage the roof, dent the siding, or break the windows. To prevent this, trim overhanging limbs so that they're at least 6 feet back from the house. Additionally, remove all dead limbs and trees that could topple and cause injury or property damage.

2. Stow Outside Items

Remove outdoor items the wind might pick up and hurl against your house. These include barbecue grills, patio furniture, trampolines, and potted plants. Bring these items indoors until the storm has passed, or stow them away inside a garage or off-site storage unit.

3. Cover the Windows

Broken glass allows rain to enter and damage your home's interior. The sharp, flying shards can also cause serious injury. To avoid hospital bills and a homeowners insurance claim, you should cover the windows with plywood. Alternatively, install prefabricated storm shutters, which are available at most home improvement stores.

4. Be Careful Post-Storm

Beware of standing water, which can contain sewage or cause electric shock if in contact with wires or appliances. Do not enter a flooded room until you've shut down power to the area, and wear rubber boots or waders. 

Keep children and pets out of the house until you've inspected it for safety. Discard any food that came in contact with the floodwater, even if it smells fine. Try to be mindful of any downed power lines in the area.

If you need homeowners insurance to guard your property against tropical storm damage, contact Farm Bureau Insurance in Blountstown, FL. They're known for reliable coverage, and their agents provide essential guidance to help you customize the right policy for your needs. They can also help you protect your vehicles during hurricane season with affordable car insurance. Learn more about homeowners insurance on their website, or call (850) 674-5471 to request a quote.