Proactive preparation can reduce damage, speed recovery—and even impact your insurance costs.
Even the best policies shine brighter when your property is better protected from the start. Mitigation isn’t just a buzzword—it’s smart insurance risk management.
Here are practical steps that can tighten your safety net—and potentially save you time, money, and stress if a storm strikes.
1. Reinforce Building Envelope
- High-wind protection: Strengthen roof-to-wall connections, reinforce garage doors, and install hurricane-rated shutters or impact-resistant windows.
- Check exterior seals: Reseal gaps around doors, vents, and skylights to prevent water intrusion in high winds.
2. Reduce Debris Risk
- Tree and yard maintenance: Trim overhanging branches and ensure dead trees are removed to prevent structural damage if they fall.
- Secure outdoor items: Anchor loose items—patio furniture, planters, tools—to avoid becoming airborne projectiles.
3. Elevate Systems & Equipment
- Water heater & HVAC: Consider elevating them if you’re in an area at risk of storm surge or surface flooding.
- Backup power: Invest in portable generators or whole-home systems—especially if outages impact business continuity.
4. Install Safety Features
- Sump pumps with backup power: Protect basements and foundations against water buildup.
- Exterior drainage improvements: Clean gutters, reinforce downspouts, and grade the landscape to channel water away from your building.
5. Leverage Incentives
- Many states offer mitigation credits—updates like shutters or roof bolts can earn you discounts on your premiums.
- Some improvements may also qualify for federal tax credits or grants.
Want to strengthen your storm resilience? Talk to your Liberty advisor or contact us anytime at https://libertycompany.com/contact/.
