Articles used with permission from the Governor's Division of Emergency Management Office.
Properly preparing for hurricane season begins well before one is even spotted in the Gulf. Performing an inventory of your property and possessions is recommended, and is a good idea any time of the year. Germania's Home Inventory Checklist can help you create a record of your valuables.
A Hurricane Watch means a hurricane has become a threat to coastal areas. Residents and businesses in those areas should monitor the situation and be prepared to take precautionary action promptly if a hurricane warning is issued.
A Hurricane Warning indicates that hurricane force winds, dangerously high water, and rough seas are expected in a specific coastal area within 24 hours and precautionary actions should begin immediately.
Check your property for damage. Contact your Germania agent to promptly report damage. Follow immediately with a written claim to protect your rights under Texas´ prompt-payment law.
Make reasonable and necessary repairs to protect your home and property from further damage. Cover broken windows and holes to keep rain out. Do not make permanent repairs before a claims adjuster inspects the damage. Keep a record of your repair expenses and save all receipts. Photograph the damage. Try to be present when the adjuster inspects your damage.
* Sources: Federal Emergency Management Agency & National Oceanic and Atmospheric Administration