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9/27/2011 - FEMA cautions homeowners to prepare and plan

Officials say an emergency kit should contain bottled water in case a home's water supply is contaminated.

Though Hurricane Irene was downgraded to a category 1 storm by the time it came ashore, it led to billions of dollars in damage and caused power outages for millions of people. In short, even less potent hurricanes can cause headaches for homeowners.

The Federal Emergency Management Agency says that no matter how strong a storm is anticipated to be, individuals should prepare their families for the worst.

One way is to make an emergency supply kit, which FEMA says should include non-perishable foods, water, flashlights and a battery-powered radio.

In addition, families should put together an emergency plan. The plan should detail where everyone will meet should they need to separate and what the best contact method is, whether it's calling or text messaging.

Finally, families should prepare their property, which may include installing hurricane shutters and making sure a policy has adequate hurricane coverage.

Homeowners should also make sure that they have flood insurance, a common consequence of hurricanes. Typically, flood insurance must be purchased as a supplement to a basic policy and involves a 30-day standard waiting period.

Talk to a Selective agent today to find out if you're covered. To learn more about flood insurance from Selective, click here

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