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Hurricane Season, Handled.

What Every Family Should Do Before, During, and After a Storm.

Anyone who’s lived in Houston long enough (like I have) has a hurricane story. And those stories tend to have a common lesson: the families who come through a storm best aren’t the lucky ones – they’re the ones who get ready in advance, instead of scrambling around when a storm is already approaching.

So I pulled together some great advice, and trimmed it down to what actually matters. Bookmark this page, work through it one easy weekend, and spend this hurricane season living your best life, instead of watching the radar.

– Gordon

Before the Season

Get Ready While the Sky Is Blue

Hurricane season runs June 1 through November 30, with the busiest stretch typically being late August through October. This section contains the easiest, cheapest, and most common sense steps to take before a storm has a name.

Make Your Family Plan

Hurricane season runs June 1 through November 30, with the busiest stretch typically being late August through October. This section contains the easiest, cheapest, and most common sense steps to take before a storm has a name.

Build Your Kit

Aim for at least three days of supplies for every person in the house:

  • Water: one gallon per person, per day
  • Food that won’t go bad (and a manual can opener)
  • Flashlights, batteries, and a battery-powered or hand-crank radio
  • First aid kit and a full supply of prescription medications
  • Phone chargers and a backup battery pack
  • Cash, because card readers go down with the power
  • Supplies for pets, babies, and anyone with special needs


Check the kit every June. Batteries drain and granola bars expire.

Protect Your Paperwork

Put IDs, insurance policies, medical information, and property records in one waterproof, grab-and-go folder. Then photograph or scan everything and store copies in the cloud. Ten minutes of scanning can save you weeks of replacing.

Video Your House

Take a slow video of every room. Open the closets, the drawers, the garage. This is your home inventory, and if you ever need to file a claim, it will turn a months-long memory test into a checklist. Save it somewhere other than your house.

Tend the Yard

Trim weak branches and any limbs hanging near the roof. Clear gutters and downspouts so heavy rain drains away from your foundation. Know which patio items come inside when a storm approaches; in hurricane winds, a lawn chair is a projectile. If you don’t have storm shutters, keep pre-cut plywood for your windows on hand, and consider reinforcing your garage door. It’s one of the most common failure points in high wind.

Review Your Insurance Coverage

This is the step people skip, and it’s the one that decides how recovery goes. Three things to confirm before any storm is in the forecast:

  • Flood damage is not covered by standard homeowners insurance. It needs a separate flood policy, and new policies typically take about 30 days to kick in. You can’t buy one when a storm is already on its way.
  • Know your wind deductible. Windstorm or hurricane deductibles often work differently than your standard deductible, and along the Texas coast they can be a percentage of your home’s insured value. Know that number – before you need it.
  • Your car needs comprehensive coverage to be protected from flood, wind, and falling debris. Liability alone won’t cover storm damage.

Not sure where you stand on any of these? Give us a call. It can’t hurt to check, and it’s a much better conversation to have now than the day after a storm has hit.

When a Storm Is on the Way

First, know what the alerts mean. A hurricane WATCH means hurricane conditions are possible within 48 hours: finish your preparations. A hurricane WARNING means the storm is expected within 36 hours: complete your preparations and be ready to leave immediately if officials tell you to.

Once a Watch is Issued:
  • Check in on your parents and older loved ones to ensure they are safe and have a plan and supplies
  • Fill your gas tank. Stations can’t pump without power.
  • Charge every phone and battery pack, and pull out some cash.
  • Refill your important prescriptions if you’re able.
  • Test your backup generator – and make you have plenty of gas for it.
  • Have propane or charcoal on hand for cooking without power.
  • Bring your pets in and provide them a safe space
  • Secure any livestock or farm animals.
  • Cover your windows with shutters or plywood.
  • Check and clear any gutters and drains near your home to prevent water back up and flooding
  • Fill bathtubs and large containers with water for washing and sanitation.
  • Turn the refrigerator to its coldest setting and keep it closed, so your food will last longer if the power does go out.
  • Bring in outdoor furniture, trash cans, toys, and plants. Anchor anything that can’t come inside.
  • Park your car in the garage or away from trees, power lines, and low-lying spots.
  • If you’re told to evacuate, GO!. Leaving early beats stuck in traffic.

During the Storm

Stay inside, in an interior room away from windows, on the lowest floor that isn’t at risk of flooding. Keep your radio or phone close for official updates, and keep pets leashed or in a carrier with you.

If the weather suddenly turns calm, that may be the eye of the storm passing over. The back half arrives fast, with winds from the opposite direction. Stay put until officials give the all-clear.

After the Storm

  • Wait for the all-clear before heading home or outside. The hours after a storm are often more dangerous than the storm itself.
  • Stay out of floodwater. Six inches of moving water can knock an adult down; a foot can carry away a car. Standing water can hide debris and downed power lines.
  • Keep well clear of downed power lines and report them.
  • Run generators outside only, and well away from windows and vents that may allow dangerous fumes into your home.
  • Photograph all damage before you touch anything. Then, make temporary repairs to prevent further damage, and keep every receipt.
  • Use licensed, insured contractors for permanent repairs, and be careful what you sign. In the aftermath, disreputable vendors often use door-to-door contracts and “assignment of benefits” forms, and you might unknowingly sign away more than you realize. When in doubt, talk to your insurance agent before you commit to costly major repairs.
  • Start your claim as soon as it’s safe. The sooner it’s filed, the sooner it’s settled.

The Easiest Item on the List

Check your insurance coverage. It’s easy – just reach out to my office, and we’ll review your current policies, and walk through them with you. We’ll see what’s covered, what’s not, how much your deductibles are, and whether you may have any gaps in your coverage – or be paying for anything you don’t actually need.

Spend an easy fifteen minutes on the phone now, and you can head into hurricane season knowing you’ve taken care of your home and family – and that’s what it’s all about!

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