Be Prepared to Protect your Interest in a Property Damage and Loss Claim
It is that time of year again – Hurricane Season Has Arrived! This is when some of us prepare for a potential hurricane by buying extra water, batteries, or generators. Beyond needing your hurricane preparedness supplies, it is also important to prepare for the property damage and loss that can result when a hurricane makes landfall.
Don’t get caught without the information necessary to help resolve your property damage and loss claim with your insurance company. Take the time before the hurricane approaches to prepare for the unfortunate devastation a hurricane can bring. The more documentation of your property damage and loss you can provide to the insurance company the better the result.
Below is a checklist - a guide to help property owners to be prepared.
- Do a home inventory. Take photos and/or videos of your property (inside and outside) and everything in your house or business. Store the pictures and images (jump drive, CD, SD card, hard drive, etc.) with the items you plan to take with you when you evacuate.
- If you have sales receipts or appraisals for big-ticket-items or one-of-a-kind pieces store those with the items you plan to take with you when you evacuate.
- Keep your homeowner’s insurance policy with the items you plan to take with you when you evacuate. Read your insurance policy, specifically the declaration page to gain an understanding of what your policy covers.
- Keep a digital camera, batteries, chargers, and SD cards with the items you plan to take with you when you evacuate.
- If your home or business does suffer damage, then document it. Take pictures, videos, and notes of the damages to your property – inside and outside.
- Keep all receipts and invoices for hurricane related expenses. This includes any repair work or replacement costs, including any living expenses which you may have as a result of the hurricane damage.