September is National Preparedness Month—a reminder that life can change in an instant. From severe storms and flooding to extended power outages, emergencies often strike with little warning. While you can’t prevent the unexpected, you can take steps now to protect your home, your family, and your peace of mind.
Why Preparedness Matters
Disasters don’t just cause temporary inconvenience—they can create lasting financial strain. A burst pipe, storm damage, or fire can quickly turn into thousands of dollars in repair and replacement costs. The good news? With the right planning and coverage, you can be better prepared for whatever comes next.
Protect Your Home with the Right Insurance
Not all policies are created equal, and many homeowners are surprised to learn what isn’t covered. As you review your emergency plan this month, take a fresh look at your insurance, too:
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Flood Insurance: Standard homeowners policies do not cover flooding. If your home is in or near a flood-prone area, a separate flood policy is essential.
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Storm & Wind Coverage: Severe weather events are on the rise. Make sure your homeowners policy includes adequate protection for wind, hail, and storm damage.
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Power Outages: Extended outages can mean spoiled food, damaged appliances, or even sump pump failures. Ask your agent about coverage options that protect against these losses.
Keep Your Home Inventory Updated
Imagine trying to remember everything you own after a fire or storm. An up-to-date home inventory makes the claims process faster, smoother, and more accurate. Here are some simple ways to start:
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Walk through your home and record a video of your belongings.
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Save receipts or warranty information for big-ticket items.
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Store your inventory securely—either digitally or in a fireproof safe.
Simple Steps to Prepare Today
Preparedness isn’t just about paperwork—it’s also about readiness:
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Create an emergency kit with water, food, flashlights, and first aid.
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Have a family communication plan in case you’re separated.
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Know where your utility shut-offs are located.
Peace of Mind Starts with a Plan
National Preparedness Month is the perfect time to ask yourself: Am I ready if the unexpected happens? Taking a few steps now—both with your insurance coverage and your household planning—can make all the difference in an emergency.
At Van Wyk, we’re here to help you review your coverage, update your home inventory, and ensure you have the right protection in place. Reach out today to schedule a policy review and take the next step toward peace of mind.