Car insurance is a necessary expense for many people, and there are a variety of ways to save on this household cost once you know what it takes. To get started, gather your personal information, determine your budget and then consider the insurance coverage that you think will best safeguard you and your lifestyle.

Here are 10 ways to save on your car insurance:

1. Gather Specifics About Your Car and Its Primary Drivers One way to begin the process of shopping for car insurance to get the most value for your money is to gather all of the information an insurance carrier needs to offer you the best possible rate.1 Start by compiling this basic information before you shop for quotes:
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• Make and model year of your car. You'll find it on your car's registration.

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• Vehicle Identification Number, or VIN. This is located on the inside of the driver's side door pillar.

 

• Your car's safety features, including lane departure warning system, forward-collision warning and a back-up camera.

 

• The anti-theft devices you use, including such mechanisms as an electronic tracking device or a steering wheel lock. Along with understanding the anti-theft features, you’ll want to take note of where you will be parking your vehicle. Consider the difference between parking your car in your garage versus parking it on the street or in locations outside of your home.

 

• An estimate of how many miles you drive annually, plus your home and work addresses.

 

• A list of everyone who will drive the car, their ages and any driver safety courses they have completed. Many insurance companies also want to know who in your household is of legal driving age, what their license status is (such as whether they have a learner’s permit or a suspended license, for example) and whether other drivers in your household have their own insurance. Depending on the state, this can help the insurance agent determine who should be listed and considered for your quote.

With this information, an insurance carrier can suggest the best coverage and rates for you and your lifestyle.

2. Research How Much Car Insurance Costs Before You Buy or Lease When you buy or lease a car, it can be tempting to get a brand-new car or trade in your practical family vehicle for a sports car. Just keep in mind that the type of car you drive may impact your insurance coverage and rate. Be sure to check the cost of insurance before you finalize your car purchase or lease. Insurance rates may vary widely depending on the type of car, repair costs, safety record and many other subjective points.

3. Research All Car Insurance Coverage Requirements Each state has specific requirements for car insurance coverage.3 Coverage may become more complicated when a financial institution owns the vehicle you drive, so if you’re taking out a loan to make the car purchase, keep in mind that the lender may require you to have specific insurance that might otherwise be optional. One example is collision insurance that pays for the repairs of damage to your car sustained during an accident. Another example is comprehensive coverage, which typically covers the loss of the car for theft, fire and other damage due to non-accidents. Find out what coverage you need and the cost before you buy or lease.

4. Decide What Additional Coverage You Need It may seem counter-intuitive but buying additional car insurance coverage may save you money. Weighing the options for additional coverage will help you to ensure you are well protected. Consider how your finances might be impacted if you're involved in an accident, and the injuries or damages exceed the amount covered by insurance. You purchase car insurance to help protect against the potential costs of a theft or accident, so be sure to talk to your insurance agent or carrier for professional guidance on the appropriate level of coverage for you.

In addition, there are other coverage options that may save you money. What if your financed car is totaled? Can you afford to pay the entire loan? In this case, you may want to consider GAP insurance, which covers the difference between what your vehicle is currently worth, which is what your standard insurance typically will pay, and the amount you owe on it.

Again, your insurance agent or carrier can help guide you through the available options.

5. Save Money with Accident Forgiveness Having a clean driving record is one thing that typically can help you to qualify for lower premiums. But there are times when even a good driver can have an accident. You may want to consider looking into potential savings through Accident Forgiveness and Minor Violation Forgiveness, if available in your state. These optional features can help you avoid a premium increase following your first covered accident or minor violation. There are also other features that can help provide peace of mind, such as Decreasing Deductible and a Total Loss Deductible Waiver.

Ask your insurance agent about these plans, if you fit the bill as being a responsible driver because of your good driving record. Some carriers – in select states – also offer a program that uses smartphone technology to capture and score driving behavior of drivers covered on your policy, which could result in savings both in your first term and at renewal. It’s another option to explore when you’re a good driver and looking to save on your car insurance.

6. Determine What Car Insurance You May Not Need If you own an older car and are looking to trim your expenses, you may consider dropping collision and comprehensive coverage. You’ll want to consider how much your older car is worth when you consider the cost of your premium including collision and comprehensive coverage. Be sure to also consider your individual driving situation to base your cost-cutting efforts on all the factors that could help you determine if this is a wise choice for you. With an older car, you may be paying premiums that total more than your car's value. Typically, if your car is worth less than 10 times the insurance premium, it may not be cost effective to keep that part of your coverage.

7. Life Cycle Events Can Save Car Insurance Costs is the one ne thing you can count on is that life will sometimes bring changes in your lifestyle and circumstances, so it’s smart to consider how these changes may or could affect your car insurance costs. For example, did your child go away to school? Perhaps there’s a Student Away at School discount you can explore. Did you buy a home? Maybe you can explore a Multi-Policy Discount and get the benefit of bundling your policies. These are some of the events that may help lower your car insurance rate. It’s a good idea to notify your car insurance agent when you have a major life event such as these, to have a conversation to ensure you’ve got the best coverage for your current life needs.

8. Choose the Deductible That Is Right for You Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your car insurance premiums.
For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.

9. Compare Car Insurance Companies and Costs With many things we buy nowadays there are choices. Many of us wouldn't think of buying a product or service without comparing prices, the value you get for your money, and the reputation of the provider. You may want to consider using the same philosophy when you purchase car insurance. Do your homework and then talk to your insurance agent or carrier about what your needs are.

10. Ask Your Agent About Available Discounts It’s a good practice to check in with your insurance agent at least annually to find out if you are eligible for a better car insurance rate. You may receive discounts if you bundle coverage, such as buying insurance for your home and car from the same company. As mentioned earlier, safe driving records and extra safety features on a car may also lower rates. Ask your insurance agent about any new offerings or gaps in your coverage to determine the best coverage for you.

Now that you’ve got some ideas on how to save on your car insurance, you may want to check with your carrier to review your coverage. 

You need boat insurance for many reasons. Boat insurance covers loss or damage to your boat and helps protect you financially for injuries or damage caused by covered mishaps. In addition, liability coverage can help protect you if you cause injury to others or their property while using your boat. Medical payments coverage provides reimbursement for injuries to you and your guests. Boat insurance even covers on-water towing.

How Much Is Boat Insurance?

Boat insurance costs will vary based on the state where you use your boat and the coverage options you select. For instance, agreed value policies will generally cost more than actual cash value policies. If keeping costs down is a priority, choosing a higher deductible can reduce your policy premium. Depending upon the state where the boat is used, policies can be purchased at a very reasonable price.*

How Do I Purchase Boat Insurance?

Contact us today by clicking here for your boat insurance quote. Your agent can help you choose a policy with your needs in mind to get the appropriate coverage before you head out on the water for your next boating adventure.

​Floods can impact animal health as well as human health. Make plans for your livestock and horses in the event you will need to evacuate your farm.
Before a Flood •
Maintain an inventory.
□ Keep a current list of all animals on your farm.
□ Include their location and any records of vaccinations, testing and ownership.
• Have identification for all animals.
□ Make sure animals have some form of permanent identification (e.g., ear tags, tattoos).
□ Ensure animals are properly vaccinated before exposure to floodwaters. • Prepare an evacuation kit.
□ Handling equipment (e.g., halters, nose leads)
□ Water, feed, and buckets
□ Medications
□ Tools and supplies needed for manure cleanup
□ Safety and emergency items for your vehicles and trailers
□ Gas powered generators • Make evacuation arrangements.
□ Determine possible evacuation areas – higher elevation, alternate production facilities (e.g., temporary milking parlors).
□ Determine several routes to these locations.
□ Identify alternate water or power sources.
□ Locate and prearrange feed and water delivery, needed equipment (e.g., milking) and services (e.g., milk pickup).
□ Have well maintained backup generators for livestock production operations.
□ Make transport arrangements (e.g., trucks, trailers) with experienced handlers and drivers.
□ Condition animals to being loaded and transported. • Ensure a safe environment.
□ Assess the stability and safety of barns and other structures.
□ Remove dead trees or objects from fields or livestock areas that may serve as potential debris during a flood situation. During a Flood • Be aware animal behavior may change before, during and even after a disaster.
□ If you must evacuate, ensure your family’s safety first
□ If there is time - move or evacuate livestock and horses to higher ground.
AVOID leaving animals behind. □ If there is no other alternative, keep gates or buildings open so they can escape high water.
□ Provide access to safe free-choice food source, clean water and the safest living areas possible.
□ Do not rely on automatic watering systems, because power may be lost.
□ Establish escape routes to safe locations (higher elevation).
□ Place your contact number and the name and number of your veterinarian on the building. After a Flood • Assess your animals and building structures.
□ Survey damage to your barns and other structures; assess the stability and safety.
□ Examine your animals closely; contact your veterinarian if you observe injuries or signs of illness. • Return animals only after the threat has passed and the safety of buildings or the area has been assessed.
□ Release animals in a safe and enclosed area until familiarity of the surroundings can occur. • Provide non-contaminated feed or water.
□ Provide clean, uncontaminated water.
□ Do not feed flood damaged or moldy feed or hay.
□ Do not use any feed or forage that may have been contaminated by chemical or pesticides. • Animal disposal. □ Record any animal deaths.
□ Check with your state or local authorities for proper disposal methods for animal carcasses. • Prevent illness. □ Keep animals away from flood waters which may contain harmful bacteria or chemicals.
​□ Monitor animals daily for signs of illness.

When an emergency evacuation order is issued, there isn’t a moment to waste. It’s crucial to have a plan for getting your family to safety, and in most instances this will mean traveling by car. But it isn’t as simple as gathering everyone into the family minivan and hitting the road — there are preparations to be made long before the evacuation order is given, as well as many safety precautions to take on the road.
This guide is designed to protect your family amid the chaos of an emergency evacuation by car. It will start by going over the important tools and supplies you should consider keeping in your vehicle, then move on to general emergency travel guidelines. Then it will discuss any additional precautions to make in case of extreme rain or snow, as well as advice for preparing your family.
Don’t wait until emergency strikes to figure out how your family will evacuate. Read on to find out the best ways to prepare ahead of time so you’re ready the moment the order is issued.


Vehicle Emergency Kits: Your Best Friend in Preparation
There are a few items you should always keep in your car. Not only will they be extremely helpful in emergency situations, but they’ll be handy anytime you run into trouble on the road. Your vehicle emergency kit might include:
These tools will be especially important in the event of an emergency where tumultuous road conditions may cause issues. Never opt to rely on your personal technology to fill in for these items; paper maps may seem obsolete if your phone has a fantastic GPS app, but if your service is spotty or your battery is on its last leg, it won’t do you any good. Further, always keep a hard copy of your insurance company’s phone number and auto club information (if you have it) in your glove box. If you’ve lost or broken your phone but are able to borrow someone else’s, it can save you precious moments in calling for help.
If you live in a particularly rural or wooded area, you may also want to keep sand, pieces of carpet, or even cat litter in the trunk — should your car get stuck in the mud or snow, they’ll allow you the traction you need to get out. Duct tape is another fantastic option to include in your emergency kit — it’s a quick fix for all kinds of problems, and can help you get back on the road quicker during tough weather conditions.


A crucial tool to keep in your vehicle is a car escape tool: one end is a seatbelt cutter and the opposite end aids in breaking or prying open windows. However, this should NOT be kept with your safety kit. Instead, you should mount it to the side of the driver’s seat so that it is always quickly and easily accessible. Make it a habit to regularly check to ensure it hasn’t fallen out of reach — the last thing you want is to reach for it in an emergency and realize it’s somewhere under your seat.
Some people take their vehicle emergency kit a step further and keep it constantly stocked with evacuation supplies like bottled water, non-perishable food, blankets, extra clothing, extra medication, and pet supplies. This is certainly a valuable option if you have a truck or SUV, but smaller vehicles may simply lack the space for both everyday needs and evacuation supplies. A valuable alternative is to keep a “go bag” of these supplies in your garage or a closet near the front door; with the materials already gathered, your only step will be to toss it in the car. Each member of the family should have their own go bag with the items they’ll need, and should be in charge of grabbing it when the time to evacuate comes. Bear in mind that children may need help initially putting theirs together.


Preparing for and Driving During an Emergency Evacuation
Anytime there’s inclement weather or a potentially dangerous situation forthcoming, keep a close eye on the news to stay informed. Listen for updates not only about evacuation orders, but also for information on downed power lines, closed roads, flooded areas, and other dangerous conditions you may be able to avoid. You can also consult with neighbors and loved ones in your area: if they drive different daily routes, they may be able to offer tips on which areas are dangerous and which are allowing traffic to move relatively quickly.


Be sure to fill up your gas tank if you even think there could be an evacuation. Put your go bag in the car if you have advanced warning that there could be an evac order issued, and add any additional supplies you might need — a few extra sweaters if it’s particularly cold out, for example — but don’t overload. Driving in turbulent conditions with a car full of frightened family, children, and pets will be stressful enough, so don’t add to your anxiety by making everyone jam in among non-essential items.


While waiting for an official order, check your car to ensure it’s in good working order and can make the trip without issue. Clean the headlights and tail lights, wipe down the windshield, and check that your wipers are clean and functioning, and add wiper fluid as needed. If the temperature is low, check your antifreeze level and add coolant if you need to. Finally, take a moment to be absolutely certain your tailpipe is clear of any ice or other blockages: carbon monoxide poisoning is silent but deadly, and if your family will be in the car for an extended period, you want to be sure they’ll be safe.
If your government orders an evacuation, follow their instructions implicitly. Don’t try to wait it out in case conditions improve or take an alternate route instead of a designated evac route. Remember, officials are working off of advanced information that you may not be aware of, so their word on what’s safest is trustworthy.


Once your family is loaded up, buckled up, and on the way, limit distractions as much as possible. Keep the radio tuned to local news or weather, and keep discussions to a minimum so you can concentrate on driving. Be on the lookout for broken power lines, car accidents, flooding, debris, pedestrians, and other hazards on the road. Approach intersections with caution: if stoplights aren’t working there may be a police officer directing traffic, but if no one is there to direct you, it should be treated as a four-way stop.


Keep your speed steady and relatively low so you have plenty of time to react to changing conditions. Always signal your intentions to turn, change lanes, or merge well in advance. Most states don’t allow drivers to use their hazard lights while driving, and instead advise they be used only to make your car visible if you’re stalled on the roadside or are pulling off to deal with an emergency. Only pull off to the side of the road if your car is malfunctioning or there’s an unsafe situation with your family — if your young child in the backseat is choking, for instance, it’s dangerous to try to navigate the road while panicked, even if your spouse is there to help.


Use your low-beam headlights to make your car more visible to oncoming vehicles. You might be tempted to turn on your high-beams, but don’t! It can actually reduce your visibility as well as blind oncoming drivers, especially in foggy conditions. If you’re having trouble seeing the road in front of you, it may help to use reflective lane markers as a guide. You may even be able to use the tail lights of the car ahead as your guide, but be sure you don’t follow too closely — increase your usual three-second following distance even if conditions seem clear. Further, keep in mind that the driver ahead may have trouble seeing, as well, so constantly refer to lane markings to ensure that he or she hasn’t veered off-track and unintentionally led you to do the same.


Be wary of high winds, especially if you drive a large vehicle that will be more susceptible to tipping. Expect to encounter random large gusts, and be careful not to overreact if one startles you. Keep a firm grip on the wheel at all times and overcome the wind as calmly and smoothly as possible. Be conscious of where other large vehicles like SUVs are on the road in relation to you, and avoid ending up next to them as much as possible.


If you aren’t completely certain of your route, use a hands-free GPS to guide you if conditions allow. Otherwise, have another passenger guide you via map or otherwise. Never allow yourself to be distracted by your phone while you’re moving, even if it’s genuinely to reference map guidance. If you’re traveling solo, your car should have a mount for your smartphone or GPS system.


Continue to drive cautiously even after you’ve cleared the main area of danger. Severe storms can not only move quickly and catch you by surprise, they can cause additional hazardous conditions like tornadoes and landslides even miles away. Further, many people on the road will be anxious or even lost attempting to get to safety, and may be driving erratically.
Additional Considerations: Flooding
 
The general rule for driving in flooding conditions is “turn around, don’t drown”: simply put, never attempt to drive through a flooded road. You have no way of knowing the condition of the terrain underneath or any lurking debris that could impede your car. There could even be a broken power line close by that’s electrified the water. Even if the water doesn’t appear to be moving, the safest option is always to turn around and find an alternate route. Still convinced your car could handle a little flooding? Keep in mind it only takes about six inches of water to reach the bottom of most passenger vehicles, which can cause you to stall or lose control. It takes only about a foot of standing water to float most cars.
Floods are a serious driving danger for any car, even those that sit up high. In fact, two feet of rushing water can sweep up most vehicles without much trouble, including large pick-up trucks and SUVs. Even seemingly slow-flowing flood waters have far more power than most realize: at only 7 miles per hour, flowing water has the same amount of force per unit area as winds from an EF5 tornado. Remember, no matter how inconvenient the detour: turn around, don’t drown.


If your car becomes stuck and stationary in flood water, it’s usually best to stay inside the vehicle and call for help. However, if the water is shallow enough to see to the bottom and completely unmoving, plus there is dry land very nearby, it may be better to get your family out. When you call 911, ask the emergency responder your best course of action.


If your vehicle becomes submerged, it’s vital that you act immediately to get out before it sinks. A general rule of thumb is “seatbelts, windows, children, out”: unbuckle your seatbelt the moment your car hits the water, or use your emergency cutter if it gets stuck. If you have power windows, they may not be functioning properly, so use the other end of your cutting tool to either break or pry it open. (Keep in mind that even if the door isn’t forced shut, opening it will allow in more water more quickly and sink your car that much quicker.) Prioritize getting your children out first — they’ll likely have a tougher time battling the rushing water, so you may have to help push them out. Young children may do best to stay in your arms, so consider holding them as you get yourself out. Timing is absolutely crucial when it comes to a submerged car, so don’t waste time calling 911 or reaching for any belongings. It’s estimated that you have only a minute to get yourself and your family out safely, so make every second count. Only call for help once everyone has made it out of the car to safety.


Additional Considerations: Snow and Ice


If you’ll be driving in particularly icy conditions, you may want to consider adding chains to your tires. Keep in mind that different states have different laws about the kinds of tire traction you can use, so find out what the standards are in your area. Even if you’ve never needed them before, it may be worth the investment to buy some kind of tire traction device — less expensive options include a sort of “sock” you can place over the tire — if you live in an area with snowy winters. It’s impossible to say when an especially nasty storm could pop up, and you don’t want to face the stress of rushing to the store before evacuating.
You also may want to pack extra blankets, socks, gloves, hats, and other winter gear if you’ll be evacuating in the snow. (Pet owners: don’t forget extra materials for your animals!) If you become stuck, you’ll want to be sure you stay plenty warm while help is on its way to you. If your car does stall in freezing conditions, do not go looking for outside help unless you know exactly where you are and are completely certain you’re close to a building with people. Use your emergency flares or reflective triangles to mark the front and back ends of your car, or tie a piece of brightly colored material to your antennae to make your vehicle as visible as possible. If you’re unable to call for help, you may wish to honk the horn for long periods (you might even want to try the S.O.S. morsecode) to attract attention. If your car still has fuel and you’ve re-checked the exhaust pipe for obstructions, run the engine and car heater for about 10 minutes every hour or so. If you’re low on fuel, try to depend on your extra winter gear for warmth as much as possible, but don’t force anyone — especially children — past their limits. It may help for everyone to huddle together in the backseat to maximize your body heat. And though it sounds counterproductive, keep at least one window slightly open; heavy snow can actually cause a car to become sealed shut.


A Note on Preparing Your Family
Talk to your family about your evacuation plan long before it needs to be implemented, especially children; though they will likely still be afraid in the moment, it will be less jarring if they’ve been prepared with a conversation and have steps they can focus on taking. Let them choose a toy or stuffed animal ahead of time that they’ll be allowed to bring in the car for comfort — just make sure to let them know that if it’s a noisy toy, it will need to be kept quiet on the drive so that you can safely concentrate.


Practice emergency drills with the entire family, including your pets. You can even make it a game: keep records of how long it takes everyone to gather their go bags, get into the car, and hit the road. Try to better your time with each drill, and address any issues that seem to be hurting you. Designate a specific family member to grab the pets. Further, if your pet normally doesn’t do well in the car, use the drills as an opportunity to get used to it. Drive around the block at a slow, steady speed at first, then work your way up to faster speeds on main roads. Your pet may still be somewhat freaked out in an evacuation, but at the very least the car won’t be completely unfamiliar territory. 
Facing an emergency evacuation is frightening no matter how you look at it, but the more prepared you are ahead of time, the fewer challenges you’ll encounter when disaster hits. ​

We all like to believe that when a major hurricane is headed our way or a tornado warning is issued, we’ll know exactly what to do. But inclement weather is unpredictable, and it can be frightening and chaotic to handle in the moment. It’s crucial to prepare and plan well in advance for any natural disaster that your area is prone to, especially if you have a disability that could require additional safety considerations.

This disaster safety guide will help you know what hurdles to anticipate, factors to consider, and ultimately, what to do when emergency weather occurs. It will take into account people at all different ability levels and the kinds of challenges they might encounter during hurricanes, blizzards, landslides, tornadoes and earthquakes. Be sure to consult with your doctor about any additional precautions you might need to take, as each person may have more specific needs to address.

General Preparation Regardless of where you live or the specific inclement weather your area may see, it’s important to take a few general safety precautions. First, establish a personal emergency network of family, friends, neighbors, and coworkers who can help you in the event of a disaster. You should have a list of at least three people for each place you spend regular time in: home, work, school, vacation homes, or timeshares. Some people may pop up on multiple lists, but the more options you have, the better. Their job is to check in on you when a storm is brewing or weather watch is issued, and make sure you’ll have a safe place to be. You’ll need to establish how everyone will get in touch, keeping in mind that phone service might be limited. For those nearby, it can be as basic as a knock on the wall to your neighbor or hanging a piece of cloth outside your window.
Your network will need to have any necessary keys or security codes to reach you, so make sure it’s someone you trust implicitly. Go over how to use and transport any special equipment you’ll need, as well as medications that will need to be taken with you. Put together a disaster safety kit with about a week’s worth of supplies and keep it somewhere secure but easily accessible. If you have a service dog, put aside the items they’ll need. You’ll also want to let your service animal spend some time getting to know the members of your network. It will be crucial that the animal trusts those people to lead the way to safety in the event of an emergency.
Find out the names and locations of designated safe zones and shelters in your area, noting which ones are closest to your home, workplace, or any other place you are likely to be in the event of an emergency, such as a friend’s home. Make practice drives to become familiar with the route, learn how long it takes to get there, and to get a good look at the surrounding area. Practice a faux emergency to go over all the steps needed, from getting into your front door to loading up your equipment to transporting you to the car, for example. Pay close attention to how long each task takes you to do, and look for opportunities to cut down your time. Even just moving your emergency kit closer to the front door can save precious seconds.

Image via PixabayReplenish your supply kit as necessary, and consult your doctor about the shelf lives of your medications so they don’t lose their effectiveness. Even if you’ll be planning to evacuate your home in most emergency situations, don’t forget to set aside plenty of bottled water, non-perishable foods, and sanitary supplies. If dangerous conditions make it difficult to reach you, it’s crucial that you’ll have the means to get by in the meantime.
If you use powered medical equipment in your daily life, you may want to consider buying a generator for emergency situations. It may be a sizable investment now, but you never know when you could end up needing it.
Finally, go over your insurance policies to be sure you completely understand everything that you are and aren’t covered for. Ask specifically how your medical equipment is protected, and if it’s only guaranteed under certain conditions. Flood insurance and water damage is often not included in certain policies, so don’t be afraid to ask for clarification from your agent.
HurricanesIf you live in a tropical or coastal region, it’s important to be aware of the peak hurricane season in your area. If you live on the Atlantic Coast, you’re at highest risk from June 1 until November 30. For the Pacific Coast, hurricanes are most likely May 15 through November 30. Pay attention to weather reports year-round so you’ll know in advance if a particularly rough season is ahead, and make it a consistent conversation with your safety network. Be sure that if a colleague will be your work ally, you talk to your partner about where you’ll go if an emergency occurs during business hours. Plan to first get yourself to safety, and then check in as soon as possible.
When your peak season does roll around, keep a close eye on any major storms that are brewing, even if they aren’t predicted to hit your area. Hurricanes have been known to make sudden, dramatic shifts in direction, so the more updated you stay on how they’re progressing, the less likely they’ll catch you off-guard. Know the designated evacuation routes for your region and how to reach them quickly; even if a spouse or caregiver will be driving, you can help guide them if you know the way. However, be prepared for the possibility of flooded roads and scout out some alternative routes in advance. Remember: the rule is turn around, don’t drown, so be prepared.
If a hurricane watch is issued, you’ll need to establish whether or not you’ll be staying in your home. Heed the advice of the National Weather Service and plan to evacuate if they give the order. Keep in mind that even if the storm isn’t dangerous enough to warrant an evacuation, strong winds and rain could still knock out power lines, and flooding can occur in low-lying areas — which could make it difficult or even dangerous if you’ll need power for any equipment. Play it safe not only to protect your family, but to eliminate as much stress from the situation as possible.

Image via PixabayIf you have ample warning to prepare for a hurricane’s arrival, do what you can to protect any medical equipment you’ll leave behind. Double wrap supplies like gauze and tools in plastic bags and store them somewhere secure and high in case of flooding. If possible, wrap electronic and large equipment in plastic and move them to the highest room you can. Don’t prioritize any of this over your own safety, but protect what you can if there’s time.
Anticipate difficult mobility conditions even if there isn’t immediate flooding in your region. For example, if you normally use a motorized chair, it might be quicker and easier to use your backup manual chair for the evacuation. This can be especially helpful in instances where a neighbor or relative who doesn’t have the necessary car modifications to transport your motor chair. Grab heavy boots and work gloves to protect yourself from debris.
BlizzardsAs with hurricanes, you often have a bit of warning with blizzards, so stay informed and alert to updates. If you have a generator, check to be sure it’s in good working condition so it will be ready the moment you need it. It’s a good idea to keep backup equipment batteries as part of your emergency supply kit, but if you have the safe opportunity to buy more when a blizzard is on the way, do so.
You’ll also want to check in with your doctor. Request any medication refills you might need, taking into consideration that roads may be blocked and businesses closed for several days at a time. Ask if there are any aspects to your condition that could be exacerbated by the freezing temperatures and what you can do to prevent problems. There may even be some specific non-perishable foods your physician can recommend that will be especially nutritious for you to focus on until grocery shopping is possible.
Be over-prepared when it comes to protecting yourself from the cold, even if you’re not especially susceptible to problems from it. Insulate your home as much as possible — hanging dark curtains over a window with direct sun can make an important difference — and bundle up. Be especially mindful of warming your fingers, toes, ears, nose, and cheeks, as these areas can be quite prone to frostnip and frostbite. And don’t forget to have some extra blankets set aside for your service animal if you have one.
LandslidesUnfortunately, landslides can be pretty unpredictable and happen quickly. If you live alone and there are warnings that a landslide could occur overnight, you may want to stay with a neighbor or nearby loved one so that you can have a quicker evacuation if needed. Bring any portable medical equipment you could need within the next day or two, as well as medication and other supplies.
If you are in imminent danger from a landslide, get in touch with your nearest emergency network contact immediately. Grab only absolute necessities for the next few hours, and don’t lose any time trying to protect what you leave behind. Because this kind of natural disaster happens so quickly, time will be your biggest obstacle. You’ll be able to figure out replacement nonessential supplies later on, but getting to safety means acting fast.

Image via PixabayMake sure that if your home or workplace is affected by a landslide, you don’t return until officials say it’s safe. Check your equipment closely for damage, then report any damage and find out about replacements and repairs. If your house is clear but traveling is difficult because of damaged roads, use the medication from your emergency supply kit.
TornadoesMany places have tornado sirens that sound when a warning has been issued, but it can pose a major problem for someone who has limited hearing. And if sirens aren’t working or cued up in time, it can be easy to miss an issued warning if you’re in class, working, or otherwise occupied. Be sure your emergency network knows to contact you the moment a tornado watch has been issued — the simpler the better, so a clear, emphasized text message such as “TORNADO WATCH” can suffice.
Even if no cyclones are on the ground yet, you should get to a safe place immediately. This is especially important if you are on a high floor and have a physical disability; you’ll need to get to lower ground immediately, but getting on an elevator could be dangerous if the power goes out. Since you may have to depend on stairs, you’ll want to get moving as soon as possible to allow yourself plenty of time. This should be a procedure you practice every once in awhile with your emergency network. The more confident you feel about being able to get to safety, the calmer you’ll be in the chaos of a real tornado watch.
You’ll need to get as far away from windows and exterior doors as possible, ideally underground. If you have a service animal, make sure it stays on its leash. Even if it normally doesn’t need one, the chaos will almost certainly make it nervous, and might even cause it to suddenly run away out of fear. Those with a visual impairment should hold hands or maintain some kind of physical anchor to their emergency ally, and established hand signals may be helpful communication devices for people with hearing impairments.
Once you’re in the basement, storm shelter, or lowest level, get under a heavy table or desk. If you’re in a wheelchair, don’t worry about getting the chair underneath with you — you are the priority. Duck down and cover your head and neck with your arms. Stay where you are and don’t go outside until you’re given an official all-clear signal. Be careful about possible debris on the ground when you do venture out, and wear heavy boots and work gloves if possible.
Earthquakes Perhaps the most unpredictable of natural disasters, earthquakes require the quickest thinking. The moment one strikes, you should drop, cover, and hold — if you have a service animal, take it with you. If you’re in a wheelchair, lock it in place and get out of it and under a heavy table or desk. If you’re unable to get out and no one is around to help you, lock the brakes, then cover and hold as best you can — be sure to stay as far as you can from windows and other glass.

Image via PixabayIf you’re in bed when an earthquake strikes, use your pillows, blankets, and sheets to shield yourself from falling debris. Stay where you are for several minutes afterward, bracing for possible aftershocks. If you’re injured during the event, stay put and contact 911 immediately, then ask paramedics to contact your emergency network.
Contact your emergency network first if you’re not injured. Let them know the condition of your house and if you need any assistance. If you’re able to move around the house on your own, be extremely careful and wear thick-soled shoes. If you have a manual wheelchair, wear protective gloves in case your wheels roll over any sharp debris. People with a visual impairment should sit tight until someone can arrive to assess their situation. If no one else is present at the home, a member of the emergency network should stop by to see the house. If the damage is extensive, it may be necessary to wait for emergency professionals’ guidance.
Be sure to check your service animal for any injuries and communicate them to your emergency network. Your animal will be especially stressed and probably anxious from the earthquake, so try to keep it as calm as possible. If there are emergency workers nearby, let them know if the animal is hurt and needs emergency care.
The key to disaster safety is preparation, so do all that you can to stay ahead of the storm. Have regular practice drills with your family for each emergency your area could face. If you’re a caregiver, have practice drills with your loved one. If there is a cognitive disability to consider, be sure not to confuse or scare him or her, and emphasize when it’s only practice.

Always remember: there’s no such thing as being too prepared for natural disasters!

After the flood waters recede and the clean up has been done, most folks want to get back into their homes or businesses and start rebuilding. The problem is that wood that has been submerged in water has likely absorbed a large amount of water. Rebuilding too quickly after a flood can cause continuing problems such as mold growth, insect infestations, and deterioration of the wood and wall coverings.
Flood waters are not clean water; therefore, most porous building materials must be removed and replaced with new materials.

Caution!

• Inspect for structural and electrical damage from outside to determine if it is safe to enter.
• Electrical safety is extremely important in floods. Check for fire hazards and gas leaks. Use battery-powered light sources.
• Never mix chlorine bleach with ammonia or vinegar.
• Wear sturdy shoes, rubber gloves, and eye protection.
• Be watchful for fire ants, snakes, or other animals.
• If mold is present, wear a respirator that can filter spores.

First StepsMake sure that everyone is out of danger of new flood crests, fire, and falling buildings. Assume flood water and flooded materials are contaminated.
1. Flood Insurance Claims
If you have flood insurance, contact your insurance adjuster immediately.

• Begin cleanup, salvage, and drying as soon as possible. Do not wait for adjuster. Take photos for use as an inventory. All steps suggested on this page can be taken before an adjuster arrives.
• Clean house so the adjuster can see the damage.
• Keep damaged materials for proof of loss.
• Leave a phone number where you can be reached when the adjuster arrives.
• The adjuster will assess damages to the house. The owner should sign a proof of loss statement. Additional damage can be added when found.
• Contact governmental offices for information.

2. Electrical Systems
Be sure all electric and gas services are turned off before entering the premises for the first time.

• Disconnect the main switch and all circuits.
• Remove covers from all outlets and the fuse or breaker boxes; flush with clean water.
• Let dry, and spray with contact cleaner/lubricant.
• Have an electrician check for grounds and other unsafe conditions before reconnecting the system.

3. Food and Water Sanitation
Until your local water company, utility, or public health department declares your water source safe, purify your water, not only for drinking and cooking, but also for washing any part of the body or dishes.

• Water: Strain water through a clean cloth or filter; then boil water vigorously for a full minute; let cool. If boiling is not possible, use fresh unscented liquid chlorine bleach (8 drops or 1/8 tsp/gallon of clear water; 16 drops or 1/4 tsp/gallon of cloudy water); stir; let stand 30 minutes. Iodine and purification tablets are not recommended.
• Food: Undamaged, commercially-prepared foods in all-metal cans or retort pouches can be saved if you remove the labels, thoroughly wash the cans, rinse them, and then disinfect them with a sanitizing solution consisting of 1 tablespoon of bleach per gallon of potable water. Finally, re-label containers that had the labels removed, including the expiration date, with a marker.
• Utensils: Discard flood-contaminated wooden cutting boards and spoons, plastic utensils, baby bottles, nipples, and pacifiers. Thoroughly wash metal and ceramic pans, utensils, and dishes with hot soapy water and sanitize by boiling them in clean water or by immersing them for 15 minutes in a solution of 1 tsp chlorine bleach/quart water.

4. Furnishings and Carpets
Remove all furniture, bedding, and carpeting to outdoors to be cleaned and dried (or discarded).

• Flooded carpets and rugs are best replaced since flood water may contain contaminants. Flooded carpet pads should always be discarded and replaced.
• Remove water-logged rugs, carpets, and pads within 48 hours after flooding subsides.
• If salvage is attempted, spread out rugs and carpets outdoors. Hose off. If soiled, professionally clean or work in carpet shampoo with a broom. Rinse well with a solution of 1 gallon water and 2 tablespoons liquid household chlorine bleach to sanitize (if colorfast). If carpet is wool, do not add bleach.
• Dry the carpet and subfloor thoroughly as quickly as possible. If carpet is installed damp, it can mildew.
• Carpet might shrink, but a professional may be able to stretch it.
• All upholstered furniture and mattresses contaminated by flood water should be discarded. If an upholstered furniture piece is valuable, the stuffing and upholstering will need to be replaced.  Solid wood, metal and plastic furniture may be cleaned and restored.  Hose off any mud, clean, sanitize and let dry completely out of direct sunlight.

5. Walls
Open flooded walls, even if they appear undamaged, to prevent mold, odor, and structural decay later.

• Remove water from the structure as rapidly as possible. Ventilate.
• Remove baseboards, and cut holes in wallboard to drain uninsulated walls.
• Remove the interior surface of insulated walls to a point above water height. Discard flooded drywall.
• Undamaged paneling may be propped open or reinstalled after cleaning.
• Remove and discard all wet fibrous insulation.
• Clean out mud. Wall studs and plates may be sprayed with disinfectant (1 cup bleach/gallon water) to kill any existing mold and fungi.
• Speed dry with dehumidifiers and fans.
• Leave walls open until they have thoroughly dried, which may take up to a month.
• Select replacement materials that will withstand future floods (such as rigid foam insulation, removable wainscoting, ceramic tile, etc.).

Next StepsLong-term flooding or wetness is likely to ruin most interior finishes and contents, but the next steps may be possible when flooding is short term and cleanup begins promptly. Delay permanent repairs until the building is thoroughly dry, which may take weeks.
1. Subfloors

• Layers of submerged plywood or OSB subfloors will likely separate or swell. Affected sections must be replaced to keep the new floor covering from buckling.
• When floor coverings are removed, allow the subflooring to dry thoroughly, which may take months without a dehumidifier.
• Check for warping before installing new flooring.

2. Wood Floors

• Carefully remove a board every few feet to reduce buckling caused by swelling. If boards are tongue-and-grooved, consult a carpenter or flooring professional.
• Clean and dry the floor thoroughly, which may take weeks, before replacing boards and attempting repairs.

3. Tile and Sheet Flooring

• If a submerged wood subfloor swells or separates, flooring will need to be removed. (Asbestos tiles should be removed only by a trained professional.)
• If the subflooring is concrete, removal of the floor covering will hasten drying of the slab, but it might not be necessary if it would ruin an otherwise unharmed material.
• If water has seeped under loose sections of sheet flooring, remove the entire sheet. Ease of flooring removal depends on the type of material and adhesive. Contact a reputable dealer to find out what product and technique (if any) will loosen the adhesive.

4. Cleaning Wall Finishes, Woodwork, & Floors
To reduce mold and damage, clean and dry as soon as flood waters recede. Do not sand or scrape lead-based paint.

• Use a phosphate-free, all-purpose, or disinfecting cleaner. Wash from top to bottom. Rinse with clean water.
• One-half cup of household chlorine bleach to a gallon of water can be used on nonmetallic, colorfast surfaces as a disinfectant (to kill surface mold and bacteria) after cleaning, but it will not prevent new mold growth on materials that stay damp.
• Dry thoroughly and quickly. If the utilities are on, use the air conditioning or heater, fans, and a dehumidifier or desiccants to speed drying.

5. Appliances and Equipment
Clean and dry the submerged household appliance before starting.

• With the electricity or fuel turned off, unplug and open as much as possible to rinse or wipe clean and let dry.
• Tilt to drain and aid quick drying. Three days to a week is necessary for drying.
• Appliance repair professionals should inspect before reconnecting. Many appliances can be saved.

6. Furniture
Take furniture outdoors to clean.

• Brush off mud. All parts (drawers, doors, etc.) should be removed. Remove or cut a hole in the back to push out stuck drawers and doors. Discard flooded padding.
• Use commercial furniture-cleaning products designed for the type of material. Do not refinish or wax until thoroughly dry.
• Dry slowly out of direct sunlight because sun will warp furniture. It may take several weeks to several months to dry.

7. Preventing Mold
Aggressively control mold in the weeks and months after the flood.

• When power is available, continuously use air conditioning (or heat in winter) plus a dehumidifier, if possible, to remove humidity.
• In an unair-conditioned home, open windows and use fans to circulate air.
• Turn on electric lights in closets, and leave doors open to facilitate drying.
• Try to reduce activities that add moisture to the indoor air, and use exhaust fans when cooking and bathing.

8. Removing Mildew from Household Articles and Upholstery
Avoid disturbing and spreading mold spores indoors. Clean mildewed items outdoors. Learn and take precautions to minimize exposure to mold. 

• Use a HEPA vacuum, if available, to remove visible mold growth. Discard the vacuum bag. Otherwise, wipe with damp paper towels, discard, and seal in plastic bags.
• Dry items in the sun, if possible.
• Sponge any remaining mildew with thick suds or a commercial cleaner designed for the type of material.
• Wipe with a clean, barely damp cloth.
• Wipe mildew-stained areas with a cloth dampened with diluted alcohol (1 cup rubbing or denatured alcohol to 1 cup water). Dry thoroughly.

.Basement flooding is one of the most stressful, yet prevalent issues homeowners face on a yearly basis. Flood damage is not only difficult and timely to remove, but it can also ruin Super Bowl parties or lifelong memories for you and your family. Nonetheless, like almost any home issue, there are certain precautions homeowners can take to ensure no water comes anywhere near the basement. Below are our five tips to avoid a flooded basement.
Keep Gutters Free of Debris The best way to prevent basement flooding is by keeping your gutters free of debris. Preventing water from leaving your premises is never helpful. Your gutters were put in for a reason and driving water away from the home is its No. 1 function. If leaves or branches get caught in your gutters, water could start to pile up and leak right around your foundation. The more water near the foundation, the more likely your basement is going to flood. Cleaning your gutters is easy and should be done every spring and fall. See our step-by-step guide for cleaning your gutters here.
Make Sure There are No Cracks in the Foundation Even if your home has no history of flood damage, it is vital that you seal cracks in the foundation walls and basement floors. I don’t need to explain that if there are holes in the foundation, water will get into the basement. There is no way around it.
Many sealing solutions are DIY projects, but some require professional installation. Start by removing any crumbling concrete and repair all cracks in the walls and floors. Use masonry caulk on cracks less than 1/8 inches wide. Caulk only costs about $10 per tube. Patch wider cracks with epoxy filler and a putty knife. Remember to patch the places where pipes and tie rods pass through the concrete. Drylok Fast Plug is effective for sealing cracks in masonry. For complex cracks or those subjected to movement, hire a professional, as DIY kits are less reliable for this level of damage.
To see what it cost to seal the cracks in your foundation, check out our basement sealing cost estimator.
Position Downspouts Away from FoundationYour gutters could be as clean as whistles, but if you don’t have proper downspouts directing all that water away from your foundation, basement flooding can occur. They need to be thick and long enough to handle large amounts of water. Especially in areas of heavy rainfall, downspouts of 3X4 inches are highly recommended. They should be placing the rain gathered from the gutters at least five feet away from the home. If your current downspouts are not meeting these basic guidelines, you should think about extending them, another simple DIY project