Living on the Outer Banks means enjoying beautiful beaches, warm breezes, and a laid‑back coastal lifestyle—but it also means preparing for hurricane season each year. The good news? A little planning now can make a big difference when storms roll through.

1. Review Your Insurance Coverage

Before storm season begins, take a fresh look at your homeowners, wind and hail, and flood insurance policies. Make sure your coverage limits match the current value of your home and belongings. If you’re unsure, we’re always happy to help review your policy.

2. Create a Home Inventory

Documenting your belongings—photos, videos, and receipts—helps streamline claims if you ever need to file one. Store your inventory digitally so it’s safe and accessible.

3. Secure Outdoor Items

Patio furniture, grills, umbrellas, and décor can become dangerous projectiles in high winds. Bring them indoors or anchor them securely before a storm arrives.

4. Prepare Your Home

• Shutter or board windows to prevent breakage.
• Trim trees and branches to reduce the risk of wind damage.
• Clear gutters and drains so water can flow freely.
• Test your sump pump if you have one.

5. Build an Emergency Kit

Your kit should include essentials like water, non‑perishables, flashlights, batteries, medications, pet supplies, cash, and important documents. Plan for at least 72 hours of self‑sufficiency.

6. Know Your Evacuation Zone and Routes

Outer Banks residents should be familiar with local evacuation guidance. Review your zone, plan where you’ll go, and make sure your vehicle is storm‑ready with a full tank of gas.

7. Protect Important Documents

Store insurance policies, medical records, property deeds, and identification in a waterproof folder. Keeping digital copies in the cloud adds another layer of security.

8. Stay Informed

Follow trusted weather sources and local authorities for real‑time updates. Sign up for emergency alerts to get notifications about evacuations and storm changes.

We’re Here to Help You Weather Every Storm

As coastal insurance specialists serving the Outer Banks since 1973, we understand the unique risks hurricanes bring. If you’d like help reviewing your coverage or preparing for storm season, just give us a call—we’re here to keep you and your home protected all year long.