C.Y.A. (Cover Your Assets)

Rule #1 Cover Your Assets

We are over a month into storm season, you have prepped the yard, your family emergency plan and supply kit are stocked and in place, but what about your insurance? Let the images still haunting us from last years destruction be the extra motivation insurers need to take a much closer look at their policies this year. 

You have worked hard for what you have, so why would you risk it to something as unpredictable as mother nature? Isn't it better to be over prepared then not prepared enough and with changes in the future

1. Do you have your insurance in order? Have you read your policies? Do you understand exactly what is covered for the money you are spending? A standard homeowner insurance policy only protects you from wind and wind driven rain, water that is on the ground is covered under a flood insurance policy. Do you have one? It takes about 30 days for a new policy to take effect...For more information visit National Flood Insurance Program (NFIP)  
2. In your home gone from room to room and photograph and/or video the contents of that room. Electronics, clothing, furniture, art work, etc. You will also want to scan all important documents and policies that you have before sealing them in a water proof bag. Save the photos and scans to a hard drive that you can store safely in a safe location outside your home. Also store a PDF copy on your phone. 

• Property Insurance 
• Boater Insurance       
• Renters Insurance           
• Flood Insurance                
• Wind Only Insurance           
• Auto Insurance                    
• Health Insurance              
• Life Insurance

Post Storm Claims

• Immediately report property damage to your agent, they will arrange a time to visit and assess the damage.                                
• Any emergency repairs you have to make, document and keep all receipts, videos, and photos to submit with your claim.
• During the claim process, keep a log of who and when you spoke to anyone involved in the claim. Also a brief summary as to what was discussed.
• When dealing with contractors, get copies of estimates including the dates it would be completed, & payment schedule. To check their license contact the FL Dept. if Business and Professional Regulations 850-487-1395

We never know what mother nature will bring or the damage she will leave behind. 

Being prepared for the worst is the best way to protect your family and your investment. 

  *If you have a smartphone check to see if your insurance company has a app that you can download ahead of time.