MONDAY, APRIL 4, 2016
Springtime is in full swing and this season's weather brings storms and unfortunate floods that can wreak havoc on your personal property.
Now is the time to think about your current coverage. Even if a hurricane or flood will never hit close to home, let's make sure you got all the basics covered, just in case the unthinkable happens:
Take a property inventory: It's easier to file a damage claim if you know exactly what you own and can document it. Write down a list of major property in a notebook, and take photos, noting key information about each item on the back.
Check policies: Read your insurance documents and review the scope of your existing coverage. Know your policy numbers, and where to call to file a claim. (Call our office with any questions.)
After the storm hits, ask yourself these 3 questions:
Is there water inside my home? You need flood insurance: Don't expect flood-related damage from a hurricane to be covered unless you've got flood insurance. Standard homeowners and renters policies cover damage from wind, including hurricane wind damage, and any wind-driven rain entering a home from the sky. But damage from water on the ground, or water seeping into a basement from below, isn't covered unless a homeowner has a flood insurance policy.
Is there water in my vehicle(s)? You need comprehensive auto: if your car is damaged by flood waters from a hurricane or other disaster, you'll be covered if you've purchased a comprehensive auto insurance policy. If you've only for liability coverage, flood damage to a car won't be covered.
Is there any tree damage to my property or vehicle(s)? Standard homeowner's policies cover damage to a house from a fallen tree, and a tree damage to garages, sheds, fences, and outdoor pools.Comprehensive auto insurance will cover damage to a vehicle.
Call our office TODAY to make sure that your policy is up to date and that you are fully covered!