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Be Ready for Hurricane Irene! Tips and Claims Information for you.

Remember to take precautions so you and your family are safe!Here are tips to stay safe during a hurricane:BeforeUnderstand the difference between a hurricane watch and a hurricane warning. A hurricane watch means that a hurricane may occur within the next 24 to 36 hours. A hurricane warning means that a hurricane will probably strike your area within the next 24 hours.Prepare a survival kit.Plan your evacuation route in advance of the storm.Close storm shutters and board up all windows.Stock up on drinking water and non-perishable goods.Have a supply of batteries as well as flashlights and a portable radio that are in good working condition.Review with all family members how to shut off utilities in an emergency.Secure all outdoor objects or move them inside.Secure your boat or move it to a safer place.Fuel your car in case you must leave immediately.DuringListen to the radio for important storm information and instructions.If at home, stay inside and away from all windows, skylights and glass doors. Do not go outside, even if the weather appears to have calmed. The "eye" of the storm can pass quickly, leaving you outside when strong winds resume.If you must evacuate, leave as soon as possible and be sure to tell someone outside of the storm area where you will be.AfterStay tuned to the radio or television. If you had to evacuate, return home only after authorities advise it is safe to do so.Avoid downed power lines.Beware of and check for gas leaks or electrical system damage.Make temporary repairs as necessary.Promptly report the loss using the toll-free claim reporting number.Understanding wind damageWind can tear the roofs from buildings, rip siding from exterior walls and throw debris through windows. In addition, trees toppled by windstorms can crush roofs and walls. Although hurricanes and tornadoes generate exceptionally destructive winds that can destroy buildings, high winds can happen anywhere and strike during many types of storms.One- and two-story wood frame houses are especially vulnerable to wind damage, as are manufactured homes.During a windstorm, wind forces are carried from the roof down to the exterior walls and then down to the foundation. Homes can be damaged when wind forces are not properly transferred to the ground, enabling wind and wind-driven water to penetrate the weakest point of a building's exterior.The roof, doors and windows of your house are potentially vulnerable to wind damage. When houses are exposed to hurricane forces, roofs are most susceptible to damage, followed by walls and openings. You can protect your home by regularly inspecting these areas of potential vulnerability. Roofs can be protected from wind damage by: Ensuring that plywood roof sheathing is properly installed.Bracing roof trusses.Installing hurricane straps.Doors and windows can be strengthened by: Installing reinforcing bolt kits at the top and bottom of doors.Reinforcing garage doors.Installing storm shutters over windows.The Institute for Business and Home Safety provides detailed instructions on how to inspect and secure your home against strong winds. Please visit: http://www.disastersafety.org/ 
Did You Know you can report claims to your carriers directly. Please use this handy guide in the event you need to make a claim.Travelers Personal: 800.252.4633
Travelers Business: 800.238.6225
Travelers Marine: 800.772.4482
Palisades:877.725.6423
Andover: 800-206-3781
Foremost: 1-800-527-3907
Zurich: (800) 987-3373
Merchants: 1-888-644-6680
Hartford: 1-866-574-4833
FMI: 800-336-FMIC
American Commerce: 1-877-224-5677
Salem: (800) 498-0954 x165

All others complete the form on our website and submit it. A representative will call you by the next day of regular business.
If this is an emergency, please call 911

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Michelle Pendergist
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