{"href":"http://player.captivate.fm/services/oembed?url=http%3A%2F%2Fplayer.captivate.fm%2Fepisode%2F5edaa611-42e3-46a4-a82c-07ba737dd90c","version":"1.0","provider_name":"Captivate.FM","provider_url":"https://www.captivate.fm","width":600,"height":200,"type":"rich","html":"<iframe style=\"width: 100%; height: 200px;\" title=\"E028: In Hurricane season, preparation is key.\" frameborder=\"0\" scrolling=\"no\" allow=\"clipboard-write\" seamless src=\"http://player.captivate.fm/episode/5edaa611-42e3-46a4-a82c-07ba737dd90c\"></iframe>","title":"E028: In Hurricane season, preparation is key.","description":"<p>Hurricane season is officially underway and today we're going to be talking about buying and selling during hurricane season. &nbsp;On this podcast, I have been joined by Frank Gemma with Caliber Home Loans and Tracy Baer with Northshore Insurance.</p>\n<p>Weather experts are predicting an active hurricane season with above-normal activity this year. &nbsp;In fact, we have already had three named storms so far. &nbsp;But this year brings added considerations as we are also dealing with COVID-19 and must also take additional provisions and guidelines into consideration.</p>\n<p>Below are some tips from the National Weather Service and National Oceanic and Atmospheric Administration (NOAA) on how to best prepare for the season: <a href=\"https://www.weather.gov/wrn/hurricane-preparedness\">(click here to get additional information on the below tips)</a></p>\n<ul>\n <li><strong>Develop an Evacuation Plan</strong></li>\n <li>Find out if you live in an evacuation zone</li>\n  <li>Plan your route out</li>\n  <li>Follow evacuation orders</li>\n  <li>Plan for your pets</li>\n  <li><strong>Assemble Disaster Supplies</strong>\n    <ul>\n      <li>Food/Water (have enough non-perishable food and water for each person for at least 3 days)</li>\n      <li>Medicine</li>\n      <li>Make sure you are stocked up with batteries, radio, chargers</li>\n      <li>Gas up</li>\n      <li>Have cash on hand</li>\n      <li>If you need to go to a public shelter, you will need to bring masks for each person and hand sanitizer</li>\n      <li><strong>Get An Insurance Checkup</strong></li>\n      <li>Check with your agent</li>\n      <li>Keep your documents with you</li>\n      <li>Consider flood insurance</li>\n      <li>Know your policy</li>\n      <li>Make sure you have enough homeowners insurance to repair or even replace your home. &nbsp;Don't forget coverage for your car or boat. &nbsp;</li>\n      <li>Remember standard hazard/homeowner's insurance doesn't cover flooding</li>\n      <li>If you do not have a mortgage, there is a 30-day waiting period for flood insurance</li>\n      <li>Determine the best policy for you...FEMA vs private flood insurance</li>\n      <li>The Federal Alliance for Safe Homes also known as Flash and The Actuarial Foundation jointly put out a comprehensive insurance guide including tips for reducing potential damages and premiums ... &nbsp;(<a href=\"http://flash.org/pdf/ActuarialFoundationInsuranceGuideEnglish.pdf\" rel=\"noopener\" target=\"_blank\">flash.org/pdf/ActuarialFoundationInsuranceGuideEnglish.pdf</a>)</li>\n    </ul>\n  </li>\n  <li><strong>Strengthen Your Home</strong>\n    <ul>\n      <li>Cover Windows</li>\n      <li>Trim Trees</li>\n      <li>Secure Loose Outdoor Items</li>\n      <li>Secure All Doors</li>\n      <li>Move your car to a safe location</li>\n      <li>Many retrofits are not as costly or time-consuming as you may think</li>\n      <li>Remember, the garage door is the most vulnerable part of the home</li>\n    </ul>\n  </li>\n  <li><strong>Be Prepared</strong>\n    <ul>\n      <li>Have photo documentation of valuables</li>\n      <li>Keep your important documents together for quick access</li>\n      <li>Know who issues evacuation orders for your area</li>\n      <li>Determine locations in advance where you will ride out the storm</li>\n      <li>Get your supplies now</li>\n    </ul>\n  </li>\n</ul>\n<p>If you would like to connect with Frank Gemma with Caliber Home Loans, you can email him at frank.gemma@caliberhomeloans.com or by phone/text at 727-642-6382. &nbsp;And, Tracy Baer with Northshore Insurance can be reached via email at tracybaer@northshoreinsurancegroup.com or via phone at 727-896-5165.</p>\n","thumbnail_width":300,"thumbnail_height":300,"thumbnail_url":"https://artwork.captivate.fm/c689dde1-0ce1-4ca5-8106-71df60cef985/1218795-1568395190205-80d3b644912bc.jpg"}