Are You Prepared to Weather the Storm?

shutterstock_119265961Did you know June 1st marked the beginning of hurricane season? The 2014 hurricane season has arrived after last years unusually quiet season, which was the first since 1994 not to have a single Category 3 or stronger storm. Since even the experts are unsure what 2014 has in store, it’s important to have the appropriate insurance protection in place now.

In order to prepare you for unpredictable storms and help you recover from the aftermath, we offer you the following tips:

  • Make copies of important documents, such as insurance policies, the deed to your home, and a home inventory.
  • Create an emergency supply list.
  • Review your evacuation route and emergency shelter locations with family members.
  • After a storm, report any damage to your insurance agent, explain your overall situation and ask any questions you may have, such as: Am I covered; How long will it take to process my claim; Do I need to obtain estimates?
  • Do not return to your home until local authorities authorize you that it is safe.
  • Look for any structural damage to the foundation, porches, stairs, and overhangs.
  • Make temporary repairs to prevent further damage and save receipts for any material you purchase.
  • Take photos of any damaged items before you make any repairs.
  • Make lists of anything that is damaged and include information, such as brands, model numbers, location of purchase, when it was purchased, etc.
  • Keep copies of all lists and documents you submit to your insurance agent, and anything your insurance agent provides you.

While Mother Nature is unpredictable, you can take steps to ensure you and your loved ones remain safe and damage is mitigated. It is crucial you review your homeowners and flood insurance policies so you are fully aware of what is covered in the event of a natural disaster.

Call your OceanPoint agent at 847.5200 for a complimentary policy review and be ready for whatever life brings.