Storm Damage

RHH Insurance wants you to be prepared for a natural disaster by protecting yourself, your home and your personal property.  No one wants to be faced with a cautostrophic disaster at any point in their life but it can happen. Why not be prepared with the necessary means to cope?

September is National Preparedness Month and a good time to check your homeowners insurance policy.  Read over and understand your policy.  Call your insurance specialist if you have questions about your coverage and know what is excluded.

If you rent, you must have renters insurance in order to cover your personal belongings against loss or damage.

Consider a flood insurance policy.  Flood damage is not covered by most homeowners insurance, yet it is the most common natural disaster in America.

Create a family emergency plan and discuss what happens if you are not together when a natural disaster happens.  Communicate how you will get in touch with your loved ones if an emergency occurs.

Prepare your home for storms.  Clean out gutters and cut back trees from your home.  Make sure outdoor furniture is secured down or put away before a storm.  After a storm make sure you capture any damage on your home by photograph or video.

Create an inventory of your home’s contents and your personal items.  Track your home’s contents and its worth.  The National Association of Insurance Commissioners has created a free and easy app for home owners that can be accessed from itunes or GooglePlay–  MyHOME Scr.APP.book.

Keep your insurance documents in a safe place that is waterproof and fireproof.  If you don’t have an electronic copy consider scanning and saving it to a flash drive.

RHH Insurance urges you to check your insurance policy during National Preparedness Month.  Review your deductibles and coverage and understand your policy.  Or talk to insurance specialist today.

 

Posted in: Flood Insurance Maryland, Homeowners Insurance, Maryland Insurance

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