As hurricane season approaches, Rhode Island homeowners must be proactive in safeguarding their properties against the destructive potential of severe storms. At PALUMBO LAW, we understand the unique challenges local homeowners face, especially along the coastal and flood-prone regions of our state. Preparing now can help reduce the risk of costly property damage, speed up insurance claims, and give you peace of mind when storms hit.
Here’s what every Rhode Island homeowner should know about preparing for hurricane season.
Know Your Property’s Risk Level
The first step in preparing for hurricane season is understanding your home’s specific risk factors. Rhode Island may not see the frequency of hurricanes experienced in southern coastal states. Still, when major storms like Hurricane Henri or Superstorm Sandy impact our area, they can cause severe wind and water damage, especially in low-lying or waterfront areas.
Use tools such as the FEMA Flood Map Service Center to check if your home lies in a flood zone. This will help you determine:
- If you need flood insurance (standard homeowners policies typically don’t cover flood damage)
- What types of storm surge or wind mitigation strategies to prioritize
- If additional coverage or disaster planning is necessary
Review and Update Your Insurance Policies
Many homeowners in Rhode Island don’t realize they’re underinsured until it’s too late. Before hurricane season peaks (typically from August through October), review your insurance coverage:
- Confirm that your homeowners policy covers wind and storm damage.
- Understand what’s included under your deductibles, especially if your insurer has a hurricane or windstorm deductible separate from the standard deductible.
- Evaluate whether your personal property limits adequately reflect your belongings.
- Consider adding or updating flood insurance through the National Flood Insurance Program (NFIP) or a private insurer, especially if you’re in a flood-prone area.
If you need help evaluating your policy or filing a claim after damage occurs, PALUMBO LAW provides experienced legal support for Rhode Island property insurance claims.
Strengthen Your Home Against Storm Damage
Making your home more hurricane-resistant doesn’t require a complete renovation. Strategic improvements can significantly reduce damage:
Secure Your Roof
Inspect your roof for loose or missing shingles. Consider hurricane straps or clips to better anchor the roof to the frame. A well-secured roof helps prevent catastrophic water intrusion.
Reinforce Windows and Doors
Install storm shutters, especially for large glass windows or sliding doors. At a minimum, use plywood as a temporary barrier. Reinforce garage doors with braces or hurricane-resistant upgrades.
Clear Gutters and Drains
Remove leaves and debris from gutters, downspouts, and storm drains to ensure water flows away from your home instead of pooling near the foundation.
Trim Trees and Secure Outdoor Items
Overhanging branches and unsecured outdoor furniture can become dangerous projectiles in hurricane-force winds. Trim trees and bushes, and store or anchor any outdoor items.
Prepare a Home Inventory
A home inventory—a written or digital record of your possessions—can be a powerful tool if you need to file an insurance claim. Include:
- Photos or videos of valuable items
- Purchase dates and receipts, if available
- Serial numbers or identifying details
Store this information in a secure, cloud-based location, or keep a physical copy with your emergency documents.
Build a Family Emergency Plan
Hurricane preparation isn’t just about protecting your property—it’s also about keeping your family safe. Make sure your household has:
- A communication plan in case you are separated
- An evacuation route and destination, especially if you live in a flood-prone area
- A supply kit with water, nonperishable food, medications, flashlights, chargers, and cash to last at least 72 hours
- A plan for pets, including food and carriers
Check your local emergency management agency for community evacuation plans and shelter locations.
After the Storm: Know Your Rights
Once a storm passes, the damage assessment and recovery process begins. Many Rhode Island homeowners encounter challenges with their insurance companies, including denied or underpaid claims. If you’ve experienced storm-related damage:
- Document everything with photos and video
- Save repair estimates, receipts, and communications with contractors or adjusters
- File your claim as soon as possible
- Don’t sign a settlement or waiver without understanding the implications
At PALUMBO LAW, we represent Rhode Island homeowners in disputes with insurance carriers. Whether your claim is delayed, denied, or undervalued, we can help you fight for the compensation you’re entitled to under your policy.
Contact PALUMBO LAW for Help with Storm Damage and Insurance Claims
Hurricanes can’t be prevented—but with the right preparation, Rhode Island homeowners can reduce their risk and bounce back faster. At PALUMBO LAW, we’re proud to assist local property owners before and after the storm. From reviewing your policy to helping you fight for fair compensation, we’re here to protect your property and your peace of mind.
If you have questions about your home insurance coverage or need help with a claim, contact PALUMBO LAW today.
