Disaster Preparedness and Recovery

Keep your family safe, and prepare for catastrophes before they happen. Storm damage can be overwhelming, know where to start.

Disaster Preparedness and Recovery

Keep your family safe, and prepare for catastrophes before they happen. Storm damage can be overwhelming, know where to start.

What To Do

Before a Catastrophe

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Periodically review your insurance policy with your agent to make sure that you have the coverage you need. Everything that is important to you should be insured, and the coverage amounts should be sufficient to meet the cost to rebuild, and to cover the value of personal belongings, furniture, and electronics that may be more expensive to replace now, than when you first purchased insurance.


Homeowners policies do not include flood coverage. If your home is in a coastal area, you may need a separate windstorm and hail policy. Consider purchasing flood and/or windstorm and hail insurance if your home or business is vulnerable to these types of disasters. Your agent can help you determine whether purchasing a separate windstorm and hail policy is necessary.

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Keep your insurance policy information in a safe, water proof location where it can be easily retrieved after a disaster. Make sure that you have your agent’s number, your policy numbers, and the companies through which your policies are issued, and that all family members know where this information is kept.


Prepare an inventory for every room. List personal belongings, valuables, household furnishings, electronics, etc. so that losses can be accurately documented. For every item, include the brand name, description, a serial number (if visible), the approximate date of purchase, and the estimated value. Take pictures of each item. Make sure that this information, whether hard copy or electronic, can be easily retrieved following the disaster.


Create an Emergency Toolkit. Use a waterproof container to store a battery-operated weather radio, flashlights, extra batteries, portable power chargers for mobile devices, over the counter and prescription medication, and a first-aid kit. Prior to the catastrophe, make sure that the supplies are fresh, and that the portable power sources are charged.


Be sure that someone in the home knows how to turn off the gas, electricity, water, and how to reinforce doors and windows.


Create a family evacuation and relocation plan and make sure that everyone in the household knows what to do. If it is decided to shelter in place, designate the safest part of your home (i.e. bathrooms or closets) to take cover.

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Consider family members with medical conditions:

  • If someone in your home has a medical condition that may require special assistance or transport following the disaster, contact your local emergency management service to advise.

  • If someone in your home uses medical equipment that requires electricity, talk to a health care provider about how the equipment would be used during a power outage.

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Have tools available such as tarps and plywood, etc. to cover windows before the weather catastrophe, and/or to make emergency repairs after it.

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If possible, move vehicles into the garage, or park them away from trees.

Move grills, patio furniture, and potted plants into the house or garage. Anchor fuel tanks and tie down any loose items that you cannot bring indoors.


If your home or business is prone to flooding, secure outside items or move them inside to keep them from being carried away by flood waters. Move inside furniture and electrical items to a higher level.


Before a hurricane, clear debris from gutters and downspouts. This can reduce the severity of damage to your roof and the amount of water that seeps into your home.

Other Resources

Common Questions

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Insurance Terms

Insurance terminology can seem complicated. This glossary might help you better understand your policy.

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North Carolina Farm Bureau Insurance Group
P.O. Box 27427
Raleigh, NC 27611-7427