Preparing for Hurricane Season

 

With Hurricane Ida terrorizing houses from New Orleans to New York, many are regretting skimping on their flooding insurance this last month. Even areas that have no bodies of water around them can experience damage resulting from the tropical storms that hurricanes bring! Keeping yourself protected for the worst circumstances is what insurance is here for. Flood insurance can keep your mind at ease, even during a drastic flooding incident. 

 

Prevention is the key. Let’s go over how to keep yourself safe before, during and after hurricane season, for the remainder of Ida and for any inevitable future hurricanes 

 

 

Assessing Your Risk

 

New York State has many bodies of water both within and surrounding it. While it allows for fun trips to the beach and relaxing boat trips on the lake, it also increases the risk of flooding during hurricane season. Assessing how much flood risk your property may have is a good way to keep yourself and your family safe. By using your own past experience, experience from your neighbors, or helpful websites like www.myfloodrisk.org, you can decide how likely you are to be affected by a flood. 

 

Buy Flood Insurance 

 

Now that you have a good idea of the likelihood of being affected by a flood, the first thing you can do is to insure your property. Review your current homeowners policy, as many base insurance policies do not cover damage from flooding or storms. If your current insurance doesn’t cover it, talk to your insurance representative about how you can add flooding and storm damage insurance. Don’t wait until hurricane season is already here! Policies tend to go for less during the months before, so it will be beneficial to plan beforehand. 

 

Inspect Your Home 

 

Once hurricane season is upon you, making sure your house is as secure as possible will help 

reduce and perhaps even prevent water from coming in. Ensure you don’t have any visible cracks or holes around the sides of your house. Put up sandbags as a way to divert water away from any openings or risk areas you may have. If possible, relocate important furniture or items that you can’t risk losing to a higher area of the house. 

 

Prepare a Safety Kit

 

A last precaution is to prepare a safety kit in case of emergencies. Packing a bag full of all the essentials that you might need in a situation where the flooding requires evacuation will help alleviate some of the stress during hurricane season. Pack things like water, extra food, a radio, batteries, a portable phone charger, and flashlights. Keep yourself and your family safe by staying prepared! 

 

 

Stay Inside

 

Assuming you are in an area that is high risk, follow all of the local guidelines provided by the authorities. Stay inside when you are advised to. Keeping inside during the storm will prevent getting trapped due to water affecting the roads and keep you in a place where you are secure.  

 

Stay Out of the Water

 

If you are affected by flooding, either inside or outside of your house, do not go into the water. Flooding water can have pollution, debris, sewage and other hazardous materials inside of it. To keep yourself safe from sickness or injury, avoid the water if at all possible. 

 

Contact Your Insurance Agent

 

If you have flood damage from the storm, contact your Insurance agent as soon as possible. Your agent can help you with the claim process and what to do first to prevent further damage to your home. 

 

Cybersecurity, and why it’s important.

 

Keep Your Data Safe. Get Cybersecurity Insurance.

 

Whether it’s personal or business, everything important is stored or processed online these days. This is the case even more so since the pandemic pushed everyone into their homes and all lines of communication became digital. While the convenience and accessibility is incredibly important, putting our lives and businesses online has created an Achilles’ heel that many hackers are using for their own benefit.

Hackers are getting smarter as technology advances. Just in 2021, there have been large attacks that have dramatically affected the United States. Startling examples include the cyber attack on the Colonial Pipeline this May that cost the company a $5 million ransom, and the cyber attack on JBS, the world’s largest meat processing company, that caused factory shutdowns world wide.

While it is more unlikely that small businesses or the everyday man would be targeted for these kinds of attacks, it still happens. Leaving yourself open for an attack is dangerous, and buying cybersecurity insurance can protect you in the worst-case scenario.

 

What is Cybersecurity Insurance?

 

Cybersecurity insurance covers businesses and individuals against threats to online risks and liability. This can include things like coverage for data breaches, identity theft, and personal data theft. The core tenet of this insurance is helping people and companies recover from disastrous financial data hacks or personal data breaching.

 

 

If you’re a business, consider what your company needs protected the most. Protecting clientele information might be the first step you want to take with cybersecurity insurance. This would ensure that you would be covered in an incident in which client information, such as credit card numbers or Social Security numbers, is leaked. From there, protecting your own company’s information, as well as your employees’, might be on the top priority list. Figuring out what kind of coverage you need will help determine the best plan for you.

 

 

If you’re thinking about getting coverage for yourself, consider what is most important. Identity theft has become even easier with all our data being online. Keep yourself and your financial information safe through a plan that covers online data breaches. Just like a business, finding a plan that works best for what you need is incredibly important. Talk with an agent to decide what type of coverage might be best for your household.

Cyberattacks are scary, but there are ways to protect yourself and your personal information. Keep in mind, buying cybersecurity insurance is only part of the job! Make sure you’re doing everything you can to protect your data on your side as well. From complicated passwords to careful management of data, there are plenty of ways you can protect your information from being easily stolen.