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a flooded street with palm trees

Tropical Storm Erika: Here’s what you need.

Though there is still much uncertainty whether or not tropical storm Erika will indeed form into a category 1 hurricane aimed toward South Florida, one thing is certain: you still need to be prepared before, during and after the storm.

Here are a few tips:

To prepare for a hurricane, you should take the following measures…

  • Build an emergency kit and make a family communication plan - Consider any medical needs family members may have that may require help you cannot provide.
  • Ensure you have enough non-perishable food and water to last up to 72 hours.
  • Fully fuel all vehicles and visit the ATM or bank before they close.
  • Identify the hurricane evacuation routes for your area. Determine where you would go and how you would get there if you need to evacuate.
  • If you are evacuating - shut off the electricity at the main fuse or breaker, and turn off the water at the main valve. Additionally, turn off propane gas service.

If a hurricane is projected in your area, you should…

  • Tune in to the local news on radio or television for updated information.
  • Secure your home, close storm shutters and secure outdoor objects or bring them indoors.
  • Ensure a supply of clean water for sanitary purposes such as cleaning and flushing toilets. Fill the bathtub and other larger containers with water.

Additionally, if you evacuate - DO NOT forget the following important papers:

  • Driver's license or personal identification
  • Social Security Card
  • 
Proof of residence (deed or lease)
  • Insurance policies/numbers
  • Birth and marriage certificates
  • Stocks, bonds and other legal documents - make sure all documents are in a waterproof bag.

After the storm…

  • Continue listening to a NOAA weather radio or
the local news for the latest updates and stay alert for an extended rainfall and subsequent flooding, even after the hurricane or tropical storm has ended.
  • If you have become separated from your family, use your family communication plan or contact the American Red Cross at 1.800.RED.CROSS (1.800.733.2767)
  • If you evacuated, return home only when officials have declared it safe.
  • Drive only if necessary and avoid flooded roads and washed-out bridges Stay off the streets. If you must go out watch for fallen objects; downed electrical wires; and weakened walls, bridges, roads and sidewalks.
  • Avoid drinking or preparing food with tap water until you are sure it is not contaminated.

Activating the Claims Process:

  • Keep a record of your expenses necessary to protect covered property.

• Give prompt notice to your insurance retailer/broker.

• Provide descriptions of all damaged property. Note how, when and where the loss/damages occurred. Be sure to include name and phone number of insured's contact and of the local contact at property location.

These are just a few items to consider when prepping for a storm. For a complete breakdown, visit www.redcross.org/prepare/disaster/hurricane.

Disclaimer: Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.