Get the Facts on Hurricanes and Homeowners’ Insurance

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Did you know that the Atlantic hurricane season runs from June 1st to November 30th? If you don’t know much about hurricanes and the damage they can cause, now’s the time to learn. These powerful storms can destroy homes, boats, cars and more. They present problems ranging from flooding and water damage to violent wind gusts and even tornadoes.

In order to protect your family and property from hurricane damage, it is important to know a few helpful tips.

Before the Storm Hits

Long before a hurricane even pops up on the radar, if you live in a storm-prone area, you should have a supply of canned goods, drinking water and other non-perishable foods. You should include a manual can opener in this list as well. Remember, once the power goes out, it can take a while for it to turn back on.

Be sure that you also have a supply of flashlights and batteries. Also, if you take medicine, be aware that you may need to have enough for several days.

If you need to evacuate, be certain to board up windows or protect them with storm shutters. Secure any outdoor objects, including boats.

How Does Insurance Factor into Storm Preparedness?

While you may already know about the steps listed above to make sure your family is safe during the storm, you might not be aware of the limitations of your homeowners’ insurance policy. Keep photographs and documentation of your household valuables, and store copies of these documents in a safe deposit box at a bank or other secure location. This will help you when or if you need to file a claim.

Also, it is obviously very smart to have the claims telephone number of your agent or insurer in a safe place that is quickly located in the event of an evacuation. And of course, review your policy to see what is covered and what is not. Remember, flooding is generally not covered under standard homeowners’ insurance policies.

What to Do After the Storm

Of course, the first thing you want to do is make sure you and your family are all right and safe. That is clearly the most important thing. Once that occurs, you will want to report any property damage to your insurance agent immediately. Take photos of any damage to document it. If you’ve evacuated, be sure your insurance agent knows how to contact you.

It is also a good idea to separate damaged items from undamaged items. This will help your claims adjuster complete an inventory of the damage and speed up the settlement of your claim.

Be sure to mitigate, or protect against, any additional damage. Cover holes or openings in walls, windows and roofs. If you think it is unsafe to do this on your own, hire a contractor and make sure to keep the receipts of the work.

Get Homeowners’ Insurance Before the Storms Come

While it may already be hurricane season, it is still a wise idea to shop around for a quality homeowners’ insurance policy. At ABCO Insurance Agency, Inc., we will compare rates from 25 different insurance companies to make sure that you get the best deal that’s right for you. Contact us now, before the storms come.

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