Before a catastrophe
- Review your coverages, are they up-to-date with current building and content values
- Know the amount of all your deductibles, depending on the type of loss these deductibles may vary
- Know the names of the insurance companies on all of your polices
- Know the policy number on all of your insurance policies
- Find the claims telephone number to the insurance company on your policies
- Make sure you are covered for different perils such as flood, excess flood, wind, excess wind, earthquake, and etc
- Take a written inventory of your personal possessions, photographs will also help in the claims process
- Store all important documents in a safe place, in some instances these may need to be taken with you if you have to evacuate
After a catastrophe
- If you have suffered a loss, call the claims number located on your policy immediately
- Take any reasonable steps to make temporary repairs; save your receipts for what you have to spend
- Have all the information you can gather ready to give to the adjuster, the more information he has the faster the claim can generally be settled
- Stay current with all of your premium payments
- If you must relocate, save all receipts and records of additional expenses you acquire due to your loss
- Make sure that the contractors you are using for repairs are licensed and insured
- Request to see certificates of insurance for:
- General Liability
- Workers Compensation
Visit our web site for new information regarding claims in the event of a catastrophe.
