Before a Hurricane
- Make a written or videotaped inventory of household possessions/property and store in a safe place with insurance policies, documents and other valuables.
- Identify evacuation locations.
- Keep telephone numbers and road maps handy.
- Listen to local radio and TV stations for evacuation instructions.
- Take a first aid class from your local Red Cross chapter.
- Assemble a disaster supplies kit including: first aid kit, essential medications, canned food, can opener, at least three gallons of water per person, protective clothing, rainwear, sleeping bags, battery-powered radio, flashlight, extra batteries, special items for infants, the elderly and the disabled and written instructions for how to turn off gas and water if so advised.
- Install hurricane shutters or precut 3/4” marine plywood for each window of your home.
- Make trees more wind resistant by removing diseased or damaged limbs, then strategically removing branches so that wind can blow through.
- Fill your car’s gas tank.
- Recheck manufactured home tie-downs.
- Be alert for tornadoes.
- Stay away from flood waters.
After a Hurricane
- Call your independent insurance agent as soon as possible.
- Make temporary repairs to prevent further damage.
- Delay permanent repairs until your insurer approves reimbursement.
- Get any necessary construction permits from your community.
- Keep all receipts.
- Prepare an inventory of all damaged or destroyed personal property.
- Take photos of damaged areas.
- Save remnants of damaged or destroyed property for your insurance company adjuster.
- Meet with your adjuster first, before signing anything with contractors, lawyers or public adjusters.
Information provided courtesy of Independent Insurance Agents of America