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September 30, 2018
August 26, 2018
August 15, 2018
Be sure to get important photos and papers in order and secured in waterproofcontainers
Plan a review of your homeowner/renter’s policy
A typical homeowners insurance policy will cover damage from fire, windstorms, hail, riots and explosions. In addition, other types of loss such as theft and cost of living elsewhere while a structure is repaired are included. When damage is caused by a hurricane, the big question is whether the damage was caused by wind or by water. You should know the difference and obtain both hurricane and flood insurance to protect your property. Flood insurance is a separate coverage and requires a 30-day waiting period, so don’t delay your application.
Be sure to review your insurance coverage to make sure you have adequate protection and that your coverage is up to date. If your renewal comes during the height of hurricane season, be sure to begin your renewal process early. Underwriting guidelines get more restrictive as the hurricane season approaches. When storms get into the Gulf of Mexico, many providers have black out periods for weeks at a time. Determine if you have coverage for additional living expenses, should your home become unlivable. Depending on the policy, it will also cover resulting fire or vandalism, debris removal and repairs, and cash or replacement value of damaged property. During your coverage review, determine if you have sufficient coverage for your valuables. Be sure to document any damage, purchase supplies for temporary repairs, save the receipts, and do not discard damaged items until after the appraiser has reviewed your property claim. Good documentation will make any necessary claim processing easier.
There is no technology that can withstand the destructive forces of a hurricane. If you make thorough preparations, you will reduce the damage it might cause to your property and facilitate the recovery process.
If you have questions, feel free to call Dave Reed Insurance at 850-494-2264 (Creighton Rd) or 850-453-8555 (Navy Blvd).
July 23, 2018
July 23, 2018