Now that hurricane season is in full swing, it is a good time to do an insurance check-up to see if you have the proper insurance coverage needed in the event of a disaster. U.S. hurricanes cause millions of dollars in damage to property each year, but hurricanes are not the only natural disaster you need protection from; there are also floods, tornadoes, hail and more. Without the proper protection, you could suffer devastating financial losses.
One thing you need to do is make sure all your insurance policies are up-to-date. For instance, if you have recently made an addition to your home such as a garage or additional room, it may not be covered under your homeowner’s policy. You may even want to consider having an updated appraisal on your home to make sure you are carrying enough coverage to rebuild in the case of a total loss.
Many new homes are being constructed in hurricane- and tornado-prone areas to withstand heavy wind damage. However, you should not take this for granted. For you and your family’s safety, it’s important to have a disaster plan and know how you will react when disaster strikes. This includes having a safe place to travel to and taking along important documents such as copies of your insurance policies, birth certificates, social security cards and other important documentation. If your home is in an area that is prone to tornadoes, you may want to consider building a storm shelter. This should be a place below ground where you and your family can take shelter on short notice if a tornado or other severe storm is approaching.
Many types of natural disasters occur mainly in the summer and early fall, so there’s no time like the present to make your disaster plans and make sure you are properly covered. If in doubt, just ask! We can conduct a thorough examination of each of your policies to see if you have proper coverage. http://www.gross-ins.com
