10 Things to do to Prepare for Hurricane Season

10 Things to do to Prepare for Hurricane Season

May 14th, 2012 // 9:20 am @

1- Check your Insurance policy and make sure you have a copy of the current years policy.
 
2- Make sure your policy does not exclude wind.  If it does you need a separate “wind only” policy.  This is most common in areas within 1 mile to the Gulf, Ocean, or Bay.
 
3- Understand how your hurricane deductable works.  Most policies have a separate higher deductable for named storms (hurricanes), it is usually 2%.  This means that if your home is insured for $250,000 you are responsible for the FIRST $5,000 (2% of $250,000).
 
4- Make sure you have your agents contact info and your home and auto claim numbers saved in your cell phone.
 
5- Do you have Flood Insurance?  Now is the time to add it!  Just because your home may not be in a high risk flood area that is required to have flood insurance your home can still flood.  Many homes are damaged each year that are in areas that are not required to have flood insurance.
 
6- Do your car’s have Comprehensive Insurance coverage?  What if a tree fell on it?  We recommend that all car’s keep comprehensive coverage, it usually only cost $5-$10 per month (on most cars).
 
7- Have you taken an inventory of your valuables.  My suggestion is to do a video of each room, then store that video in a safe place (preferably not in your home).
 
8- Cut any branches down that could damage your home or screen enclosure.
 
9- If you have pets, have a pet plan incase you have to evacuate.
 
10- Create a disaster supply kit.  Drinking water is the most important thing to have.
 
Please contact our office anytime to check on your policy and to make sure you are ready for hurricane season.
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