GEICO’s Disaster Preparedness Tips for Policyholders

Disasters—whether natural or man-made—are becoming more frequent and severe. From hurricanes and wildfires to cyberattacks and pandemics, the need for preparedness has never been greater. As a trusted insurance provider, GEICO is committed to helping policyholders safeguard their homes, families, and finances. Here’s a comprehensive guide to disaster preparedness, tailored for today’s evolving threats.

Understanding Modern Disaster Risks

Climate Change and Extreme Weather Events

Rising global temperatures have intensified storms, floods, and wildfires. In 2023 alone, the U.S. experienced record-breaking hurricanes and heatwaves. GEICO advises policyholders to:
- Monitor local weather alerts using apps like FEMA or NOAA.
- Know your evacuation routes and have a printed map in case of power outages.
- Reinforce your home with storm shutters, fire-resistant roofing, and flood barriers.

Cybersecurity Threats

Cyberattacks on personal data are escalating. A single breach can lead to financial loss or identity theft. GEICO recommends:
- Using multi-factor authentication for all online accounts.
- Regularly updating software to patch vulnerabilities.
- Purchasing cyber insurance as an add-on to your policy.

Public Health Crises

The COVID-19 pandemic proved that health emergencies can disrupt lives overnight. Stay prepared by:
- Keeping a 30-day supply of medications and non-perishable food.
- Stocking PPE (masks, gloves, sanitizer) in your emergency kit.
- Reviewing your health insurance coverage for telehealth options.

Building a Disaster-Ready Home

Create a Home Inventory

Documenting your belongings simplifies insurance claims post-disaster. Use GEICO’s Mobile App to:
- Photograph or video record high-value items (jewelry, electronics).
- Store digital copies in the cloud or a waterproof safe.

Secure Important Documents

Losing critical paperwork delays recovery. Protect:
- Insurance policies (auto, home, renters).
- Birth certificates, passports, and deeds.
- Medical records and pet vaccination records.

Strengthen Your Property

Small upgrades can prevent major damage:
- Install smoke detectors and carbon monoxide alarms.
- Anchor heavy furniture to avoid tip-overs during earthquakes.
- Trim trees and clear gutters to reduce fire and flood risks.

Financial Preparedness: Protecting Your Wallet

Review Your Insurance Coverage

Many policyholders underestimate their needs. GEICO suggests:
- Checking flood insurance—most standard policies exclude it.
- Understanding deductibles for hurricanes/wildfires.
- Considering umbrella insurance for liability protection.

Build an Emergency Fund

Experts recommend saving 3–6 months’ worth of expenses. Tips:
- Automate savings with a separate high-yield account.
- Cut non-essential spending (subscriptions, dining out).

Avoid Scams Post-Disaster

Fraudsters target victims after catastrophes. Red flags:
- Unsolicited contractors offering quick repairs.
- Phony government agencies demanding fees for aid.

Family and Pet Preparedness

Develop a Communication Plan

During chaos, cell networks may fail. Ensure:
- A designated out-of-state contact to relay messages.
- Emergency meeting spots near home and outside your neighborhood.

Prepare for Pets

Animals are often overlooked in disasters. GEICO’s tips:
- Microchip your pets and keep leashes/carriers accessible.
- Pack a pet go-bag with food, meds, and vaccination records.

Special Needs Considerations

For elderly or disabled family members:
- Label medical equipment with instructions for first responders.
- Coordinate with local agencies for evacuation assistance.

Staying Informed and Proactive

Leverage Technology

• Download GEICO’s Emergency Assistance App for real-time alerts.
• Invest in a solar-powered charger for devices.

Community Engagement

• Join neighborhood watch programs or CERT (Community Emergency Response Teams).
• Attend local preparedness workshops hosted by GEICO partners like the Red Cross.

Disasters are inevitable, but their impact isn’t. By taking proactive steps today, GEICO policyholders can face tomorrow’s challenges with confidence. Stay safe, stay prepared, and remember—GEICO is here to help you every step of the way.