Hurricane Checklist for Homeowners Insurance

With the coasts of the Atlantic Ocean and Gulf of Mexico on the cusp of hurricane season, it’s essential for responsible homeowners to take stock of their preparedness and loss control measures.

Even the most diligent and handy homeowners cannot control the weather, and no amount of physical fortifications can guarantee complete protection from the powerful winds and torrential precipitation of hurricanes.

Fortunately, there are other measures homeowners can implement to protect their financial interests and give them the best possible chance of bouncing back in the wake of a severe storm.

At Casey Insurance Brokers, we proudly serve residents in Plantation, Florida, and are pleased to provide guidance in advance of the Atlantic hurricane season.

Key Steps to Address Insurance Needs Before a Hurricane

Protecting your assets and financial interests from hurricanes may be a multistep process that requires ample planning and preparations. Before a storm even looms over the horizon or forms in distant waters, consider the following steps:

• Document visually. Keep records of your property, including the inside of your home and its contents, using photos and videos. This can be more effective than simply documenting your belongings with a written inventory. Store all physical documentation in a safe, waterproof container, and back up all files.

• Gather important information. After a hurricane, you may struggle to access insurance-related services online or via telephone. As such, you may not have access to important documents and information, such as your policy number and your agent’s contact information. Be sure to compile this information prior to a hurricane and store it in a safe place.

How to Manage Insurance Implications After a Hurricane

If a hurricane does indeed strike your property, you may accrue losses. Adhere to the following guidance to manage these situations effectively:

• Assess damage safely. While it may be tempting to return to your property or begin attempting to make repairs as quickly as possible, you should proceed with caution. Attempting to alleviate any issues, such as fallen trees or floodwater, could further endanger you and your property. It’s important to proceed with caution as you analyze and document your losses.

• Understand the claims process. If you plan to file a claim against your homeowners insurance, understanding the details of your coverage and the filing process can be crucial. Consider your deductible and whether you can manage marginal losses out of pocket, as filing an unnecessary claim could incur higher rates in the future. Should a claim indeed be necessary, be ready to provide all documentation and keep records of all communications with your insurance company as well as any estimates for repairs or restorations.

We’re Here to Help

With over two decades of experience serving the Plantation, Florida area, Casey Insurance Brokers is well-equipped to help you understand insurance-related matters ahead of the Atlantic hurricane season. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.