In order to expedite the claims process, please be prepared to furnish as much of the following information as possible.

• Your policy number
• Date, time & location of the loss or accident
• Details of the loss or accident
• Name, address and phone number of any involved parties
• If applicable, the name of the law enforcement agency or fire department that may have been called, along with the incident number. 

Prepare Now —Before the Hurricane Flags fly!

Don’t be caught unprepared! The steps below will help you minimize hurricane damage and get back on your feet if you are struck.

Tips for Protecting Your Property:

• Review your insurance coverage to make sure it is adequate and familiarize yourself with any windstorm deductibles.
• Most hurricane damage is covered under standard homeowner’s policies, but it is very important to insure your home and belongings to the full replacement cost at current value
• Flooding is generally not covered under standard homeowner’s policies, so ask your agent about flood insurance
• If you rent a home or apartment, talk to your insurance agent about purchasing a renter’s insurance policy, if you don’t already own one.
• Make an inventory of your possessions and store it off premises.  If your belongings are damaged, this list will help in filing a claim
• If possible, take highly valued items to s safe location.
• And, secure your home before a storm arrives!

If Your Home is damaged in a Storm:

• Be aware of personal and physical safety measures and comply with the orders of local emergency authorities
• Notify your insurance agent as soon as possible. Secure your premises before evacuating. Once you have vacated the premises, make sure your agent knows where to contact you.
• Take pictures of damaged property and keep notes.
• Temporary repairs may be authorized against any further damage. Check with your agent, insurance company or contact your state insurance department.  Keep all receipts for work.
• Use pictures and inventory lists to help your agent and adjuster assess the damages.
• Don’t be rushed into signing repair contracts. Deal with reputable contractors. If you’re unsure of a contractor’s credentials, contact your claims adjuster, the Better Business Bureau or the Chamber of Commerce for referrals.

Just as hurricanes come in many shapes and sizes, so do insurance policies. The tips provided above provide information on what insurance policies usually cover, along with tips on filing claims. To find out about your coverages, review your policy and contact your insurance agent.