Skip to main content
Suggested Searches
Quick Links

How to help protect your secondary home from hurricanes

dark cloudy sky

Every year, hurricane-force winds and storm-related flooding cause billions of dollars of damage across the country. If you have a secondary or vacation home near the ocean – especially if it has an ocean view – there is a significant chance that the house will experience flooding or wind damage if a hurricane hits the area. Because you might not be living in the home at the time, the risk of significant damage is greater, simply because it might not be discovered right away. However, there are steps you can take to help protect your secondary home from damage – below are a few ideas to consider. 

  • Hire a property management company. Since a professional property management company will be in the area, they can help monitor the weather, check on your property if a hurricane or storm hits, and take action to protect the property or minimize the damage. If you’re a Chubb client, you may be eligible to enroll in Chubb Property Manager, a service available at no additional charge in some areas of the country, to help clients who own secondary properties in hurricane zones.
  • Pay attention to landscaping and outdoor spaces. High winds can cause seemingly harmless items – like garden decorations or potted plants — to become projectiles that can cause severe damage to your house or property.
  • Have your roof checked before leaving for the season. If not fastened down tightly and correctly, the right gust of wind can lift all or pieces of your roof off your home, causing damage to the contents inside.
  • Turn off the water when the home is not in use. Damage can be caused by interior water leaks in addition to external flooding. To help eliminate the risk of water damage from a leaking pipe or appliance, simply turn off the main shutoff valve for the water when no one is in the home.
  • Unplug appliances before leaving. This can help eliminate the risk of appliances leaking or being damaged from electrical surges that may be caused by storms.
  • Secure wall hangings and artwork. High winds and other storm conditions can shake up your home a bit, causing artwork to fall off shelves and walls unless it is properly secured. Talk to your art advisor to find out the best way to keep your artwork safe.

This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.

Get a quote
Get a quote

Find an Agent

Speak to an independent agent about your insurance needs.