How Do You Prepare a Rental Property for Hurricane Season?

Inspect your property's roof for loose or damaged shingles and have a qualified roofer make repairs. Check that windows and doors seal tightly; consider installing storm shutters or pre-cut plywood panels. Clear gutters and downspouts to ensure they direct water away from the foundation effectively. A well-maintained exterior is your first line of defense against wind-driven rain and potential leaks during a hurricane.

Pay special attention to any exterior structures like sheds or carports. Ensure they are anchored securely to prevent them from becoming airborne debris. Trim tree branches that hang over the roof or near the property to reduce the risk of impact damage. Sealing any cracks in the foundation or exterior walls can also help prevent water intrusion from heavy, sustained rainfall.

Thoroughly document the condition of your property with photos and videos. Capture all rooms, the exterior, roof, and any outbuildings. Focus on areas prone to leaks, like around windows, under sinks, and in the basement or crawl space. This visual record is crucial for distinguishing new storm damage from pre-existing wear and tear when filing an insurance claim.

Store these photos in a secure, accessible digital location, such as a cloud service. Make a note of the date they were taken. This documentation provides a clear baseline that can support your case with your insurance company. Policies vary, and your insurer decides what is covered, but good records make the claims process smoother.

Contact your insurance agent to review your policy's coverage for wind and flood damage. Standard policies often exclude flooding, which may require a separate policy. Ensure your policy limits are adequate for full replacement cost. Keep a digital copy of your policy, agent's contact information, and your property inventory in a safe, accessible place.

Understand your responsibilities and your tenant's rights as outlined in your lease agreement. The lease should address procedures for major repairs, temporary relocation, and rent adjustments if the property becomes uninhabitable. Being prepared legally and financially helps you manage the aftermath effectively and maintain a good relationship with your tenant.

• Confirm coverage for wind-driven rain and storm surge.
• Check if you need a separate flood insurance policy.
• Verify your policy's deductible and coverage limits.
• Ensure your lease includes a clause for natural disasters.
• Keep digital copies of your lease and insurance documents.
• Know the process for filing a claim with your insurer.