Hurricane season 2022 is here and though the hopes are that the weather will not be severe enough to cause problems for Texas’ many homeowners, insurance agents know that the possibility is always there.
Weather is unpredictable and in acknowledging this, the best way to enter this season is with the preparations necessary to withstand and recover from weather-related emergencies, including insurance details.
Hurricane Season Preparation Include Insurance Policy Review
When people think about preparing for storm season, most think about stocking up on enough water and non-perishable foods as well as other survival items to help them get through a few days without power or shelter.
What tends to get forgotten that can greatly facilitate the recovery process should hurricane damage occur, is insurance details and yet, the insurance agency is sometimes one of the first phone calls made when property damage occurs.
Review These 3 Essential Insurance Items
To facilitate insurance claims and the post-storm repair process, insurance agents recommend that their customers add these three essentials to their hurricane preparations list if they are not already on it:
- Review Insurance Coverage Early - All too many times, insurance agents find that their customers have let a policy lapse or not updated their coverage to ensure that all of their property and belongings were adequately protected. The best way to avoid that is for homeowners to contact their insurance agency before storm season to review coverage and make any changes necessary to protect the home and belongings properly, just in case.
- Keep An Updated Home Inventory List - Insurance will not protect adequately without knowing what was lost. To know how much coverage to purchase and facilitate claims filing for damaged items, most insurance agencies recommend to homeowners that they keep an ongoing inventory list of their valuable belongings that includes details like purchase date and price, valuation, and other important information.
- Keep Printed Copies of Documents With Emergency Supplies - None of this information is at all helpful if it cannot be easily accessed due to a destructive weather event. Print out insurance policy and coverage document copies as well as inventory lists, then seal and store them with other emergency items.
Better To Be Safe Than Sorry After The Hurricane Blows Thru!
Hopefully, no homeowner will deal with the destructive hurricane forces of Mother Nature this or any future storm season.
In the event that they do, having these three insurance tips handled will facilitate the claims process and the ability to repair and replace damaged homes and belongings faster and with far less confusion.
Start out by first touching base with insurance agents to confirm adequate home and property coverage.