Hurricane season is here. And Newfoundland and Labrador knows how powerful these storms can be. Igor (2010), Leslie (2012), Fiona (2022). The names alone bring back big memories. That’s why preparation is key.
Whether you’re getting storm-ready for the first time or just brushing up your plan, Steers Insurance is here to help keep your home and your family protected.
Understand the Hurricane Risks
In the past, hurricanes and their remnants have left behind damaging winds, flooding, and costly repairs in Atlantic Canada. Even after they pass, post-tropical storms can pack a punch with storm surge, heavy rain, and strong gusts.
Get Your Home Ready
Exterior & Structure
- Roof & Shingles: Repair any loose or missing shingles. For extra strength, consider professional reinforcements like hurricane straps or clips.
- Windows & Doors: Permanent storm shutters work best, but marine plywood is also a solid backup. Skip the duct tape, as it won’t stop breakage.
- Garage Doors: Reinforce or upgrade to wind-rated models to prevent major damage.
Yard & Outdoors
- Loose Items: Secure or bring in anything that can fly: furniture, BBQs, toys, garbage bins, even boats.
- Trees & Gutters: Trim branches near your home and clear gutters so water drains freely.
Utilities & Equipment
- Generators & Pumps: Test them ahead of time. Always run generators outdoors, and keep a backup battery for your sump pump.
Emergency Kit & Plan
- Supplies: Pack for 72 hours: water (1 gallon per person/day), non-perishable food, flashlights, batteries, medications, and pet supplies.
- Plan Ahead: Set family meeting spots, map out evacuation routes, and keep your gas tank full or EV charged.
Review Your Insurance Coverage
- Know What’s Covered: Most home policies include wind damage, but flood and storm surge usually need separate protection.
- Act Early: Once a storm is named or imminent, it’s often too late to adjust your coverage.
- Account for Inflation: Make sure your limits match today’s rebuilding costs.
- Check the Fine Print: Look at windstorm deductibles, coverage for extra living expenses, and limits on things like tree removal.
Document & Record
- Create a Home Inventory: Take pictures or videos of all valuables: furniture, appliances, art, etc. Back them up to the cloud.
- Before & After Photos: Capture your home’s condition before a storm, then again after, for smooth claims.
- Save Receipts: Keep proof of boarding-up, temporary fixes, and repairs for easy reimbursements.
Why Steers Insurance?
For decades, Steers Insurance has been part of Newfoundland and Labrador communities through fair weather and fierce storms. We know the local risks and how to help you prepare for them. From reviewing your policy and coverage add-ons to building an emergency kit or documenting your home, our team makes hurricane readiness simpler and less stressful.
Storms may be unpredictable, but preparation isn’t. With Steers Insurance, you’ll have the guidance and peace of mind you need to protect what matters most.