Protecting your Property from Hurricanes:
It’s about Wind and Water

When it comes to protecting your property against hurricane damage, there are several key areas of your home or business that have been identified by the Insurance Institute for Business & Home Safety (IBHS) as the most vulnerable to damage. As a member of IBHS, Alfa Alliance Insurance is pleased to share this information with you. More details are available at www.DisasterSafety.org.

Roofs

The roof is the first line of defense and takes a beating as wind speeds increase. The older the roof, the
weaker it likely is and the more exposed it may be to winds and water damage. When re-roofing, strengthen connections between the roof and walls, re-nail the decking, add a wind and water resistant barrier, and choose a high-wind rated roof covering. Find more information on strengthening your existing roof or creating a stronger new roof.

Attic ventilation

Large quantities of water can be blown inside vents when winds reach 90 mph, leading to major water damage and possibly ceiling collapse. IBHS testing has shown that approximately 75 percent of the homes that suffer significant hurricane damage lose soffit material. Make sure roof vents are well anchored and sealed and that soffits are well attached. Find more information on how to secure attic vents.

Windows and doors

When a hurricane strikes, windows and doors, including garage doors, can be blown open or broken, allowing wind and water inside. Shuttering these openings can reduce the risk of wind and water damage. Download a copy of the IBHS Shutter Selection Guide for guidance on choosing materials.

Attached Structures

Porch roofs, carports, covered entry ways, lanais, and screened rooms often are the first to fail in high winds. Proper attachment of the support systems for these structures is critical in a hurricane. Straps, anchor bolts
or through bolts between the tops of columns should be used to support the roofs of attached structures and the roof framing of the home or business.

Surroundings

Trees, gravel, yard ornaments and other items outside a home or business can become windborne debris in a hurricane. Avoid using gravel or stones as mulch in hurricane-prone areas, bring in lawn furniture and other yard items when a hurricane threatens, and keep trees trimmed to reduce the risk of falling limbs.