How Homeowners Can Financially Prepare for Extreme Weather
The Californer/10321815

LOS ANGELES, Aug. 1, 2025 ~ As extreme weather events continue to wreak havoc across the country, homeowners are being urged to take proactive measures to protect their homes and finances. Mercury Insurance, a leading insurance company, is encouraging homeowners to be prepared for the unexpected and avoid financial stress.

According to Steve Bennett, Senior Director of Climate and Catastrophe Science at Mercury Insurance, being financially prepared for extreme weather is just as important as physical preparation. He emphasizes that taking a few smart actions today can make a significant difference in safeguarding homes and saving thousands of dollars in the long run.

To help homeowners prepare for extreme weather, Mercury Insurance has provided a financial readiness checklist. The first step is to review your insurance coverage and ensure that it includes protection against common local hazards such as fire, wind, or flooding. If necessary, consider adding additional coverage or endorsements.

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It's also crucial to understand your deductibles and set aside savings accordingly. In the event of a disaster, you will be expected to pay out of pocket before your insurance coverage kicks in. Having an emergency fund specifically for disaster-related expenses can provide peace of mind.

Creating a home inventory by documenting valuables with photos or videos can also speed up claims and ensure fair reimbursement. It's essential to have this information readily available in case of damage or loss.

Mercury Insurance also recommends utilizing smart technology such as leak sensors, weather alerts, and security systems that can detect damage early on and notify homeowners even when they are away from home.

In addition to these proactive measures, it's crucial to have a plan in place for evacuation costs. This includes having a go-bag ready with essential items and making arrangements for lodging, food, and pet care if needed.

Homeowners should also familiarize themselves with federal and state disaster relief programs in case their area is declared a disaster zone. This knowledge can help them access aid quickly if needed.

Mercury Insurance continues to support its policyholders by providing timely resources, expert guidance, and coverage that adapts to the changing climate. By taking these proactive steps, homeowners can protect their homes and finances from the unpredictable and costly effects of extreme weather events.

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