Hurricane Proofing Your Yard

Hurricane Proofing Your Yard

Image by krisr1 from Pixabay

So far the Sarasota/Bradenton area has had a quiet hurricane season (knock on wood!). But that could change, and we may still experience one or more tropical storms or hurricanes. Before a storm hits, let’s take a look at one more way to reduce the chances of having significant damage to your home due to a hurricane: hurricane proofing your yard.

 

Inspect

First, walk through your yard. Look carefully at your trees, shrubs, mulch, and any other items found there. Here are some things to watch for:

 

In your trees, look for dead or dying limbs, or those weakly attached to the tree trunk. Also look for cracks in limbs or trunks, trees that lean and may be unstable and easily toppled by a storm, and branches that hang over your roof, screen enclosure, or are near power lines. You may need to do some pruning (see below).

 

What type of mulch to you have? Consider replacing rock or pea gravel with softer mulch, such as shredded bark. In high wind, rock and gravel can fly into the air, breaking windows or damaging your house’s exterior.

 

Does water pool near your house? Consider improving the grading and drainage around it.

 

Take note of anything in your yard that could become airborne in high winds: potted plants, toys, garden ornaments, bird feeders, lawn furniture, etc. Decide what you’ll do with these things if a storm is approaching—perhaps you can tie them to a sturdy tree, bring them into the garage, or position them in a place where they’re less likely to blow around, such as a corner of a fence or wall. If there are items in your yard you no longer enjoy or use, get rid of them.

 

Prune

Remove dead or diseased branches, and prune the crowns of trees to make them more wind resistant. For larger trees, you may want to hire a certified arborist for this.

 

Also prune shrubs that are top heavy, damaged or diseased.

 

Plan(t)

If you’re considering making changes or adding to your landscaping, do some planning first. If you want to plant new trees, choose wind resistant varieties. These include live oak, southern magnolia, sabal palms, and sea grape, to list a few (click here for more information). Plant them well away from your home and other structures, as well as power lines. This will help reduce the risk of limbs or even a whole tree coming down on your home during a storm.

 

Hurricane season doesn’t end until November 1, so we should remain vigilant in our hurricane preparations. Take a few minutes to walk around your property to inspect it, prune and plant appropriately, and decide what you’ll do with anything in your yard that could become a projectile. A little attention to your yard before a storm blows through can save you a lot of headaches later.

 

Lakewood Financial is a locally owned, independent insurance agency based in the Sarasota/Bradenton area. We would love to help you with your homeowners insurance—or any of your insurance needs. Please give us a call at 941-747-4600 for a free quote, or contact us online. For more information about homeowners insurance, click here.  

 

Is The Hartford Advantage Right for You?

The Hartford

As an independent insurance agency, Lakewood Financial represents many quality insurance carriers—not just one. We pride ourselves in finding YOU the best match for your individual insurance needs and financial situation. From time to time, we’ll draw attention to one of our carriers and what they specialize in. This month: The Hartford. 

If you’ve moved to Florida from up north, you’ve probably heard of The Hartford. They have more than 200 years of experience in insurance—in fact, they insured the only home Abraham Lincoln ever owned! The Hartford provides personal lines coverage (home, auto, renters, umbrella) as well as business insurance, such as workers comp or general liability, and employee benefits, like group disability or life insurance. The Hartford specializes in insurance for the 50-and-over age group, and for the past 30 years, they have been the only direct auto and home insurance program nationally endorsed by the AARP.

The Hartford’s Open Road Advantage auto insurance policies offer benefits such as:

  • Lifetime Repair Promise: When you use a repair shop in The Hartford’s approved network, they guarantee the workmanship for as long as you own the vehicle.
  • New Car Replacement Benefit: if your new car is totaled during the first 15 months or 15,000 miles, whichever comes first, The Hartford will pay the cost of a brand new car of the same make and model with no depreciation.

The Advantage Plus program offers these additional benefits:

  • First Accident Forgiveness: If you qualify, your insurance premium won’t go up if you have an accident.
  • Disappearing Deductible: If you stay accident-free, your deductible decreases over time.
  • Optional 12-Month policy term: lock in your rate for a full year if you so choose.

If you’d like to see if The Hartford coverage is right for you, please call us at 941-747-4600 or email us for an auto or home insurance quote. And even if you don’t think they’d be right for you, one of our other quality insurance companies may be just right—call us, and we’ll be happy to help you find coverage that is right for you.