Homeowner’s Insurance – Ready For The Next Hurricane?
February 3, 2010
Since the Atlantic hurricane season in June and continues through till the end of November, there is a significant of the year during which you should be preparing in some way for hurricane threats. Some of the preparations below will be required by insurance policies, others will not but are still helpful to you and your family. Some of them may even be able to bring down your insurance policy price as the insurance company recognises that you are safer than you otherwise would be and are therefore less likely to be making a claim.
Getting Prepared
First of all, you should be familiar with the terms of your policy and any disaster preparedness and response plans they have. These will help you in the case that disaster does strike or you find yourself in need of making a claim. And if you don’t already have such a policy, you can now go online to request and compare homeowners insurance plans. If you live in the state of Florida especially, be sure to compare homeowner’s insurance to ensure your getting the maximum coverage and that your policy covers hurricane damage. And remember, the West coast gets an occasional hurricane too so be sure to check your home insurance Los Angeles policy for these same things.
If you think you may need to evacuate your area, you should contact the appropriate authorities before hand to know what those requirements will be. You should have a plan formulated in advance and if there are shelters nearby you should know where they are and how to get to them.
Keep supplies such as food, water, gasoline, portable radios and batteries stored somewhere safe so they will be available to you in the emergency. Several flashlights with extra batteries should be included. Copies of important identification and insurance documentation would also be useful in certain situations to speed up applications in the event that wide spread devastation occurs. Medical supplies such as aspirin and aspirin free painkillers, antacid, bandages, gauze and disinfectant are also useful.
While home insurance is a very important step, you should be taking to protect your possessions and family in the event of disaster, there are many other steps you can take to prepare for the situation as well.
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