The Insurance Information Institute (Triple-I) is urging Texans to prepare for the potential impact of Hurricane Beryl, which has reverted to being a hurricane (from a tropical storm) before hitting the Texas Gulf Coast today (July 8).

Triple-I advises all residents in Beryl’s path in Texas to review their evacuation plans, including arrangements for pets. It says hurricane gear should include a 14-day supply of nonperishable food and drinking water at a rate of one gallon per person per day for all family members and pets, as well as a two-week supply of medication.

Residents are also encouraged to write down and carry contact information for their insurance company and insurance professionals, and at the same time purchase emergency supplies such as batteries, flashlights and fully charged cell phones.

To protect homes, it is recommended to secure yards by removing outdoor furniture, garden tools, planters, and other items that could be blown away by strong winds. Finally, filling up vehicles with gas will ensure mobility during and after the weather event, which will be the first landfall in the United States in the 2024 Atlantic hurricane season.

Hurricane Beryl has already set several records, including the strongest hurricane ever recorded in June and July and the fastest intensification of any hurricane in the Atlantic Basin before Sept. 1. On July 1, it reached Category 5 status with maximum sustained winds of 165 mph.

Meanwhile, according to Triple-I, various insurance policies cover damage from hurricanes and tropical storms.

The company said property damage from winds is covered by standard homeowners, renters and business insurance policies. Renters insurance protects the tenant’s property, while the landlord insures the building.

Flood damage to homes, renters’ property, and businesses is typically covered by a FEMA National Flood Insurance Program policy or a private flood policy, if purchased. Many private insurance companies offer flood insurance in addition to FEMA.

Private vehicles that are damaged or destroyed by wind or flooding are covered under the optional comprehensive portion of your auto insurance policy. It is estimated that 80% of drivers in the United States choose comprehensive coverage.

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