Understand your coverage
- Review your homeowners policy ahead of time to ensure you understand your coverage in the event of a hurricane and/or flood.
- Hurricane hazards come in many forms, including storm surge, heavy rainfall, inland flooding, high winds, tornadoes, and rip currents. Floods, whether accompanied by a hurricane or not, can happen quickly and affect large areas.
- The only way to protect your home from floodwaters is to purchase flood insurance. Homeowners insurance does not cover flood damage. Contact your agent to see if you live in a flood hazard area and to learn more about flood insurance.
- Homeowners insurance policies provide coverage for valuables, up to certain limits. For maximum protection, you should have jewelry, furs, silverware and other valuables appraised, then scheduled separately to your policy. You’ll get the broadest coverage possible, with no deductible. Ask your agent for more information.
- Take an inventory of your personal property. Document this inventory with a video or photographs. Store this information and other important documents in a safe-deposit box as well as online.