A homeowner's guide to getting ready before the storm — and making sure flood insurance is part of the plan
Hurricane season doesn't just threaten the coast. When a storm moves inland across Pennsylvania and Maryland, it can bring days of heavy rain, high winds, and flash flooding to communities that rarely think of themselves as "hurricane country." Whether you're in Lebanon, along the Susquehanna, or anywhere else in our service area, a little preparation now can prevent a lot of loss later.
Before a Hurricane
- Prepare an emergency kit and make a family communications plan.
- Know your surroundings, the elevation level of your property, and whether the land is prone to flood.
- Identify levees and dams that may pose a hazard.
- Learn evacuation routes.
- If in a high-rise building, be prepared to take shelter on or below the 10th floor.
Secure Your Property
- Cover all of your home's windows.
- Install straps to fasten your roof to the framing structure.
- Keep trees and shrubs around your home manicured.
- Clean debris from rain gutters and downspouts.
- Reinforce garage doors to avoid structural damage from wind.
- Plan storage for outdoor furniture, decorations, garbage cans, etc.
- Predetermine how to secure any boats.
- Install a generator.
- Consider building a safe room.
Why Flood Insurance Matters
Hurricanes cause heavy rains that can lead to extensive flood damage in both coastal and inland areas — and Pennsylvania and Maryland are no exception. Everyone is at risk, which is why flood insurance protection is worth considering no matter how far you live from the coast.
Here's the part many homeowners don't realize: a standard homeowners insurance policy typically does not cover flood damage. Flood insurance is the only way to financially protect your property or business from flood-related loss. Without it, the cost of repairing water damage, replacing flooring, drywall, and belongings falls entirely on you.
To learn more about your flooding risk and how to protect your home or business, visit the Federal Insurance and Mitigation Administration's (NFIP) website at www.floodsmart.gov, or call 1-800-427-2419.
We're Here to Help — Right Here in Lebanon, PA
Storm preparation is only half the equation; having the right flood insurance coverage in place before the season starts is what actually protects your home, your belongings, and your peace of mind. Based in Lebanon, Pennsylvania, we proudly serve homeowners and businesses throughout Pennsylvania and Maryland, helping our neighbors evaluate their flood risk and find the right coverage before the next storm arrives.
Reach out to our Lebanon, PA office today to review your flood insurance options and make sure your home is protected — no matter where the next storm tracks.