by Pat Lunsford

Created on: March 17, 2008   Last Updated: June 17, 2011

Steps for hurricane insurance preparedness is something you learn quickly when living in an area that is vulnerable to hurricanes. Hurricanes can be very fickle. They can be heading for a certain area then turn at the last minute and move in another direction. Preparations should be made several days in advance of the approaching storm to avoid rushing around at the last minute.

Those who live in hurricane-prone areas know first hand how quickly the stores can run out of essential supplies. It's foolish and even dangerous to take the "wait and see" attitude when a hurricane is approaching the state. Store shelves can empty within hours during a hurricane threat.

Before the hurricane season begins, make sure your emergency supplies are fully stocked with enough for each household member. The recommended time to prepare for is three days. However, in light of the devastation caused by the numerous weather-related catastrophes that have swept through the nation over the last decade, it's obvious that three days is not enough. Power could be out for up to a week or more.

Grocery and home stores in the area could be hard hit and it could be several days before supplies are replenished. If the water supply is contaminated it could be weeks before the problem is resolved. Pharmacies could be hit which could be life-threatening for some such as insulin-dependant diabetics.

As climate change increases, storms are becoming more intense which is why every home should always have a good emergency supply, especially areas that are vulnerable to hurricanes. The following is a list of basic supplies one should always have stored in the event of a natural disaster.

- Battery operated lights and radios with an ample supply of batteries

- Drinking water

- First-aid-kit and prescription medications

- Food which requires no refrigeration, including baby food and pet food if it applies

- Garbage bags and paper towels

- Tools such as hammers, screwdrivers, and pliers

- Full tank of gas

- Toothbrushes and toothpaste

- Toilet paper

- Manual can opener.

- Bedding such as blankets and pillows

- Tarps

- Car charger for your cell phone

- Matches or lighters

- Cash

- Clothes

- Mild soap (bar or liquid)

When a hurricane is approaching the state, even if it's not predicted to hit your particular area, the following steps should be taken.

1. Inventory your emergency supply and make sure it's complete. Replace old batteries and any food products that might be nearing the expiration date.

2.

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