Precautions before a Hurricane or Heavy Storm.
Claims after the storm.
If you’re keeping up with the weather we know there’s a storm in the works. Of course there is no guarantee it will hit us but just to be safe we’ve described a few precautions (if you haven’t already done them) to protect your belongings. Preparing your personal items before the storm hits leaves you to focus on you and your loved ones in case of an evacuation. Also taking these precautions make the steps if you do have to make a claim less stressful.
If you’re not able to bring your car, boat, RV, motorcycle or other type of vehicle with you there are other options. Park vehicles indoors when possible. If you can’t then try to find higher ground that is close to a sturdy building for more protections. Keep vehicles away from trees or poles; any large objects that can fall on it and cause damage. Make sure to secure RV awnings so wind doesn’t tear them away.
It’s best to remove your boat from the water and move it inland before a storm hits. Boats left unsecured can not only be damaged by wind or flying objects from hurricane forces, but they can float away if waters rise. If it’s secured properly, your boat is much more likely to survive a storm inland than on water.
Just make sure that if you cannot take something with you your items are secure as possible
If you’ve taken all the precautions but still find yourself in a situation where you have to make a claim after a storm, it’s important that you have Comprehensive coverage. Comprehensive coverage covers damages resulting from high winds, flooding or other weather-related factors.
Don’t just take important documents with you. Waterproof them, too.
If you have to evacuate, you should take all important documents. This means waterproof your insurance papers! Even if you don’t have to evacuate, it’s a good idea to keep these documents in a waterproof container, to help minimize time spent on the phone or working through a claim if you have to make one after the storm.
Report damage as soon as possible. If any of your vehicles are damaged, report the damage as soon as you can. The sooner your insurance company knows about it, the sooner it can begin resolving your claim.
Take Pictures of absolutely everything. Pictures can help your insurance company identify and find your vehicles if they’ve floated or flow away during a storm. They also can show items that may have been attached to your vehicle that may have been lost or damaged during a hurricane.
Your safety should always be your major concern when preparing for and evacuating because of a hurricane. Remember to give yourself plenty of time to figure out your evacuation plan, and make sure your family members or others who plan to leave with you also know the drill. You may even want to practice a couple of times to ensure things run as smoothly as possible.
Following these tips well before a storm hits your area can help you stay calm during an evacuation. Plus, knowing you’ve done what you can to prepare for a storm, as well as for any claims you might have to make afterward, can provide much-needed peace of mind during turbulent times.
If you have any other questions please call us at the office or stop by. We are here for you before and after the storm to help!
Article by Megz Montalvan