Weathering the Storms: Protecting Your Shreveport Home from Natural Disasters

With the recent rising number of strong storms, including the severity of hurricanes in Northern Louisiana, the potential for life-changing devastation is a very real concern for those living in the Ark-La-Tex region. Families and businesses should get prepared for the impacts of severe weather by having a hurricane emergency plan in place.

The devastation caused by past hurricanes and severe storms serves as a stark reminder of the importance of preparation for strong storms. Families and businesses face risks such as power outages, property damage, loss of infrastructure, and disruption to daily life.

It is crucial to remain informed about the potential impacts of hurricanes and take necessary precautions. Having a well-thought-out emergency plan and collection of emergency supplies can help minimize the risks and ensure the safety of loved ones and assets.

Prior to the Storm

Preparing your family for storms and other emergency events proves a great idea. Having an actual Family Emergency Action Plan will help your family to know what to do. Take the time to map out a plan and discuss.

In preparing your property for heavy rain, winds, and potential flooding, it is essential to take proactive measures to secure, clear, and protect your home. While you also want to take measures by having adequate cell phone chargers, backup batteries, food supplies, fuel for generators, medication, bottled water, and disaster supplies kit/safety kit, we’ll keep this post focused on securing your home and property.

prepared for the impacts of severe weather

Securing Your Home and Property

1. Secure loose outdoor items by storing or tying them down to prevent them from becoming projectiles in strong winds.

2. Clear gutters and drains to prevent water from accumulating and causing damage to the property.

3. Install storm shutters or plywood over windows to protect them from flying debris and water infiltration.

4. Locate important documents and valuables and protect them from water damage by placing them in a waterproof container or elevating them off the floor.

5. Check that your property insurance covers flooding and wind damage to ensure adequate protection in the event of a storm.

By securing loose outdoor items, clearing gutters and drains, installing storm shutters or plywood over windows, and protecting important documents and valuables, you can minimize potential damage.

Additionally, checking your property insurance to ensure coverage for flooding and wind damage will provide a safety net in the event of a storm. These steps are crucial in safeguarding your property and possessions during severe weather conditions.

Investigate Flood Insurance Options

Flood insurance options available in the market include private insurance, the National Flood Insurance Program (NFIP), and excess flood insurance. Private insurance offers coverage for both residential and commercial properties, with premiums and coverage varying based on the flood risk level in the specific location. The application process typically involves an evaluation of the property’s flood risk and may require additional inspections or documentation.

The NFIP, operated by the Federal Emergency Management Agency (FEMA), provides coverage for properties in high-risk flood zones. Insurance carriers determine premiums based on the property’s flood risk. Coverage includes building and contents protection. The application process involves assessing the property‚Äôs flood risk and purchasing the insurance through an authorized insurance agent.

Excess flood insurance is available for properties that require coverage beyond the limits offered by the NFIP. Premiums and coverage depend on the property’s flood risk and existing insurance coverage. Applicants may need to provide documentation of their current flood insurance policy and property details.

High risk areas and flood hazard maps are used to determine the appropriate coverage and premiums for each insurance option, helping property owners to understand their risk and coverage needs.

During the Storms

During the storms, it is important to be prepared and stay informed about the latest weather updates. Whether it’s a thunderstorm, hurricane, or blizzard, knowing what to do and how to stay safe is crucial. In this section, we will explore tips for preparing for storms, staying safe during severe weather, and how to handle the aftermath of a storm. From creating an emergency kit to understanding evacuation procedures, this information will help you navigate through tumultuous weather. Stay tuned to learn how to safeguard yourself, your loved ones, and your property during the storms.

It is important to follow the instructions given by local authorities in order to stay safe during a storm. This includes following evacuation orders, staying away from windows and doors, and avoiding low-lying areas prone to flooding. It may be necessary to turn off utilities such as electricity, water, and gas if instructed to do so. Additionally, listening for emergency alerts on TV or radio and keeping tuned to online news outlets for updates can provide invaluable information during a storm.

After the Storms

After the storms have passed, the aftermath often presents numerous challenges and obstacles that need to be addressed. From the physical destruction of buildings and infrastructure to the emotional toll on individuals and communities, the aftermath of storms can be daunting.

It is essential to take the necessary steps to assess the damage that has occurred and ensure that your property and possessions are safe. Check for structural damage, broken windows, water leaks, fallen trees, and other hazards. Additionally, you should check all appliances, such as furnaces and air conditioners, to make sure they are functioning properly. Some home repairs may be covered by insurance depending on the cause of the damage, so be sure to contact your insurance provider for more information.

Be careful in debris cleanup efforts and follow emergency ordinances.

Finally, take reasonable measures to protect your property from future storms. This could mean installing storm shutters over windows, raising the elevation of your home if it is in a flood-prone area, or reinforcing structural components. These steps can help you prepare for future weather events and reduce the potential for damage.

Watley Insurance Group Helps the Ark-La-Tex

As an independent insurance agency based in Shreveport, LA, Watley Insurance Group serves the insurance needs of the Ark-La-Tex community. Our team understands the unique risks and challenges that homeowners in this region face, and we are committed to providing comprehensive home insurance coverage to protect our clients’ most valuable assets.

We work with a wide network of insurance providers to offer a range of options for home insurance, tailored to meet the specific needs of each individual client. Whether it’s coverage for property damage, liability protection, or additional endorsements for high-value items or unique risks, we strive to find the right policy at the best value for our clients.

In addition to home insurance, Watley Insurance Group also offers a variety of other insurance options including auto insurance, flood insurance, umbrella policies, and more. Our knowledgeable agents dedicate themselves to guiding our clients through the insurance process, providing personalized service and expert advice every step of the way.

By serving the Ark-La-Tex community with integrity, professionalism, and a customer-centric approach, Watley Insurance Group is the trusted choice for all insurance needs in the region.

Contact us today for a free analysis and quote of your current home insurance.

Do this prior to the next heavy storm season.

Wayne F. Watley, Jr.

Agency Principal, proud husband & father, and jazz enthusiast.