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It’s everyone’s favorite time of year again- Hurricane Season and high winds. And what better way to celebrate than to once more review with these 4 Hurricane Safety Tips?
We don’t need to remind you of how difficult the last couple of decades have been for the states bordering the Gulf of Mexico. Between Hurricane Katrina in 2005, to Hurricanes Harvey and Irma in 2017, just about everyone has lost something at some point. And those who didn’t knew someone who did. That’s why it’s so important to make sure you have the proper insurance, to protect you and your home.
1. Get Flood Insurance.
This is super important, so we’ll repeat it- Get. Flood. Insurance. Remember that hurricanes are one massive, dangerous thunderstorm. If you’re in its path you’re going to get rain, and that can lead to flooding. Don’t assume you have coverage because that probably means you don’t.
While flood damage can be repaired, heavy rains or storm surges are usually excluded from most policies, and there’s a 30-day waiting period before it takes effect, so get it now if you don’t have it. You can check out the National Flood Insurance Program (NFIP) to see what options they have.
2. Don’t wait until a storm comes to check your current insurance coverage.
Check your storm and hurricane deductibles in your insurance police. Typically they run between 2-5% of your home’s insured property value. So if your home had an insured value of, say, $200,000, you’d have to pay $10,000 out of pocket before your insurance coverage kicked in.
Make certain you know exactly what your deductible is so you can plan accordingly for any costs you may have to pay.
3. Have your agent’s contact info on hand, and have copies of your policies ready.
In case the worst should happen, you need to be able to start the claims process as soon as possible. Having the paperwork out and ready will help speed things up.
Be sure you have all of your family’s essential documents and paperwork- including birth certificates, passports, etc. Those are hard to replace and after a hurricane the process to replace them can take even longer.
4. Make a list of your valuables and belongings.
Claims processes for insurance can be a pain, and the best way to make it go faster is to have a record of your things in case they’re damaged, lost or destroyed.
You can either take pictures of your items, or take videos of them. If you take pictures, be sure to include text that identifies the item, it’s value, brand name, and/or serial number. If you take a video you can verbally relay the information as you record each item.
Hopefully this hurricane season will be a mild one and you won’t even need to use these hurricane safety tips. But it’s much better to be safe than sorry, so be sure to fortify your house against the weather, and your family against loss.
2018, Alison Montgomery