Protecting Your Property

A good homeowner’s (or renter’s) insurance policy is critical in order to recover from a hurricane.

Discuss the following with your insurance representative:

• Valuation of land and structure. Ask about deductible and exclusion policies.

• Valuation of home contents. Prepare a complete home inventory. Take photos or videotape wherever possible. Store the information at the office or in a safe-deposit box.

• Ask if your policy covers the value (replacement cost, less depreciation) or replacement costs.

• Is it worth picking up insurance riders on special items?

• Do you need flood insurance?

• Do you require a windstorm insurance policy?

After a Hurricane

• Make temporary repairs to protect your home or property from further damage. Cover holes in the roof or walls with plywood and use heavy duty plastic to cover broken windows.

• If you can’t make repairs yourself, check the contractor’s references with your insurance agent, Chamber of Commerce or Better Business Bureau.

• Get an estimate first and discuss payment terms.

Get receipts for labor and materials. • Keep records, bills and paid invoices, until your insurance representative visits.

• Take photos of damaged areas and possessions.

Note: Federal disaster assistance may be available.

Filing a Claim

• Notify your insurance agent as soon as possible. Give an address and phone number where you can be reached if you have vacated your home.

• Present your photos and inventory to help your insurance adjuster assess the damage.

• Be patient. Cases are expedited based on severity or hardships.