Appliances and electrical devices should be unplugged before the onset of a storm to prevent
damage to appliances from power surges. The use of surge protectors is also highly recommended.
It’s important to have your roof checked prior to hurricane season to ensure that it is safe and ready to brave the weather of the season and after any storm or hurricane to look for any cracks or damage.
It has always been common practice in Bermuda to open a leeside window during a hurricane in an effort to equalize pressure and minimize damage to the home. There is, however, no scientific evidence to substantiate this practice. In fact, the National Weather Service advises that permanent storm shutters offer the best protection for windows with boarding up windows to protect them from high winds and flying debris being an alternative approach. https://www.weather.gov/safety/hurricane-action
Your landlord likely has a building insurance policy which covers the building structure, fittings and fixtures (eg. walls, floor ceilings and cabinetry). Your furniture is your own personal property and as such, you would need to personally obtain a home contents insurance policy to ensure that furniture and other personal possessions such as clothing, electronics, etc. are insured.
Your home contents insurance premium is not calculated in the same manner as an auto policy and therefore a “No Claims Discount” (NCD) would not be applicable. Insurance rates are calculated based on other factors including market rate fluctuations.
Although there is no specific time limit for taking out travel insurance on a per trip basis, it is recommended that you not leave buying cover too late as insurance companies typically stop accepting new business when a hurricane is imminent. Travel insurance can also be obtained as an annual policy for all of your travel throughout the year.
As a boat owner, you must ensure that your mooring certificate is up-to-date and that your mooring has been approved by your insurance company for storm cover. If your mooring is not storm approved, the schedule of your policy will include any imposed restrictions ..
Taking your boat out of the water may be a requirement of your policy if the mooring is not storm approved, or just a good idea to help reduce major damage to your vessel.article, ‘
You must take reasonable precautions to prevent damage to your property at all times and there is no no discount available for doing so. However boats that are taken out of the water for several months are eligible for a reduction in premium.
A comprehensive policy provides coverage for damage to your vehicle including damage sustained as a result of a hurricane less any applicable deductible.
Third party cover does not provide any cover for any damage to your vehicle including hurricane damage.
Due to a history of flooding, hurricane/storm damage to cars is not covered when they are parked in the airport parking lots after notification of a named storm and within 72 hours prior to the storm affecting Bermuda
You must take reasonable precautions to prevent damage to your property. Prior to a hurricane, it would be prudent to move your bike to the garage or to an area outside your home which enjoys some protection from the elements. A comprehensive policy will cover your bike for hurricane damage less any applicable deductible. We do not recommend that you bring or any item with a vessel for gasoline (eg. generator) inside your home.