Tips for Protecting Your Property

• Review your insurance coverage to make sure it is adequate, and familiarize yourself with any windstorm deductibles.
• Most hurricane damage is covered under standard homeowners policies, but it is very important to insure your home and belongings to their full replacement cost at current value.
• Flooding is generally not covered under standard homeowners policies, so ask your agent about
flood insurance.
• If you rent a house or apartment, talk to your professional insurance agent about purchasing a renters insurance policy if you don’t already have one.
• Make an inventory of your possessions and store it off the premises. If your belongings are damaged, this list will help in filing a claim.
• If possible, take highly valued items to another, safe location.
• Secure your property before a storm arrives!

If Your Home Is Damaged in a Storm

• Be aware of personal and physical safety measures and comply with the orders of local emergency authorities.
• Notify your professional insurance agent as soon as possible. Secure your premises before evacuating. Once you have vacated the premises, make sure your agent knows where to contact you.
• Take pictures of damaged property and keep notes.
• Temporary repairs may be authorized to protect against further damage. Check with your agent, insurance company or contact your PIA state affiliate. Keep all receipts for work.
• Use pictures and inventory lists to help your agent and adjuster assess the damages.
• Don’t be rushed into signing repair contracts. Deal with reputable contractors. If you’re unsure about a contractor’s credentials, contact your claims adjuster, Better Business Bureau or Chamber of Commerce for referrals.