It's that time of year that many southern residents dread: hurricane season. When the late summer and early fall months roll around each year, Florida homeowners prepare themselves with many tactics and safety practices that will keep their property and homes safe in case a hurricane makes its way to their area. Hurricanes bring heavy rains, strong winds, flooding, and many other extreme weather issues that can wreak havoc on your home. As a public insurance claims adjuster in central Florida, we know that staying prepared is your best line of defense. Here are a few tips from your insurance company you should follow during hurricane season.
Many homeowners make the mistake of assuming that they have coverage for damages that are actually not under their homeowners' policy. Before you assume your coverage, you should take time to become familiar with your policy and its allowed coverages. This will prevent any misunderstandings or estimated settlements that you assume you'll receive.
Most insurance companies actually require you to prevent any additional damages after you have property destruction. When you have a burst pipe or flooded basement, you will want to mitigate any additional damages. This may include clearing the room of electronics, turning off your electricity, cleaning the water out of the room, and many other preventative measures to minimize damages.
When you live in areas that are susceptible to hurricanes, your insurance company will likely provide you with a list of ways you can prepare you home during this season. For example, boarding up windows, turning off electricity, and cleaning your gutters are just a few of the precautions homeowners can take to avoid unnecessary damages. Heavy winds and rains can cause flooding, dislodged debris, broken trees and branches, and many more dangers that can ruin your home or property. Take the steps to prevent extensive damages.
Before a hurricane or foreseen storm heads your direction, take the time to do inventory on your belongings, such as jewelry, heirlooms, electronics, and other important possessions. Also, prepare a list of any renovations or expenses that have been recently added to your home. By being prepared, you will be better suited to work with the public insurance claims adjuster in central Florida and your insurance company to reach a settlement faster. This will also provide you with a more accurate settlement.
These are a few insurance tips that you should following to protect your home and property during hurricane season. In order to keep everything in order to prepare for a quick and speedy repair in case of any damage, you'll want to stay on top of these insurance-related issues. If you happen to have damaged property, you'll want to contact a quality public insurance claims adjuster in central Florida to make the proper estimate on your needed repairs. Contact us to hear how we can help you today.