Friday, May 4, 2007

Hurricanes: Are You Protected?

Hurricanes can wreak tremendous damage, devastation and death on a community. If a hurricane warning is issued, homeowners can board-up their houses and try to minimize the damage. But what if a storm damages their home regardless?

The most common homeowners policy - called a homeowners-3 policy or HO-3 - covers damage caused by a hurricane except for exclusions specifically outlined in the policy. For example, damage caused by hurricane flooding is usually not covered. Since policies vary, suggests homeowners review their policies before a storm hits to determine what would be covered.

For anyone whose home may be damaged by a hurricane, offers the following tips to help get back on their feet.

Secure the building with temporary repairs - Fix whatever is needed to make the home habitable and prevent further damage. Be careful not to invest in extensive repairs at this time, as an adjuster must appraise the damage first. Save any receipts so that your insurance company can reimburse you later.

Call your insurance agent to report the loss - Get any information you may need from your agent at this time. If the disaster is widespread, keep in mind that the agent may be very busy. Be patient.

Save receipts - If temporary living arrangements are needed, be sure to save receipts for living expenses, such as food, temporary housing costs, storage, and furniture rentals. Your insurance company should advance you the money for these costs.

Make a list of the damaged property - Try to include makes, models, and serial numbers. Take pictures of the damaged items, if possible. Organize old bills and receipts, if they are available, to establish value and age. Work from memory, if necessary. Don't throw anything away until the adjuster has a chance to inspect and appraise it.

Identify structural damage - Don't forget the garage, sheds, and pool. Look for cracks and missing shingles or roof tiles. You may want to hire a licensed engineer to identify damage you can't see. Have an electrician inspect the electrical system and a plumber review the plumbing system (most policies cover these inspections). Get bids for the repair work.

Have an adjuster appraise the damage - Your insurance agent should arrange this, and there should be no charge. Or, you can hire a public adjuster for a fee. When your adjuster comes, ask for a complete inspection and appraisal. If it can't be completed at one time, arrange for a second look. Be sure to identify all damaged areas.

Fill out the forms - Complete the "proof of loss" forms, which will be sent to you by your insurance company. Return them as soon as possible and keep copies of all forms you send back. Send copies of lists and other documents as needed to prove your losses, making sure to keep the originals.



Blogger ninest123 Ninest said...

ninest123 09.29
louis vuitton outlet, cheap jordans, tory burch outlet, chanel handbags, prada outlet, michael kors outlet, michael kors outlet online, cheap oakley sunglasses, tiffany jewelry, nike outlet, ralph lauren outlet, uggs on sale, nike air max, christian louboutin, louboutin uk, nike free, uggs outlet, kate spade, oakley sunglasses, ray ban sunglasses, ralph lauren polo, oakley sunglasses, michael kors, replica watches, longchamp outlet, gucci handbags, prada handbags, replica watches, burberry factory outlet, uggs on sale, longchamp bags, uggs on sale, christian louboutin, ray ban sunglasses, louis vuitton, oakley sunglasses, louboutin shoes, ray ban sunglasses, louis vuitton outlet online, michael kors outlet store, nike air max, uggs outlet, michael kors outlet online, louis vuitton outlet, longchamp outlet, tiffany jewelry, burberry outlet, oakley sunglasses

September 28, 2015 at 6:43:00 PM PDT  
Blogger ninest123 Ninest said...

sac guess pas cher, michael kors outlet online, coach purses, coach outlet, true religion outlet, north face pas cher, north face uk, hermes pas cher, michael kors, louboutin pas cher, jordan pas cher, nike free, vans pas cher, kate spade outlet, longchamp pas cher, nike air max uk, nike roshe uk, michael kors uk, nike air max, nike tn pas cher, nike roshe run pas cher, burberry pas cher, ralph lauren pas cher, true religion outlet, timberland pas cher, michael kors, lululemon outlet, new balance, coach outlet store online, longchamp soldes, nike free pas cher, vanessa bruno pas cher, nike air max uk, nike air force, hogan sito ufficiale, lunette oakley pas cher, polo ralph lauren uk, polo lacoste pas cher, true religion outlet, abercrombie and fitch, mulberry uk, nike blazer pas cher, abercrombie and fitch UK, nike air max pas cher, true religion jeans, hollister uk, converse, coach outlet, lunette ray ban pas cher

September 28, 2015 at 6:46:00 PM PDT  
Blogger ninest123 Ninest said...

new balance shoes, insanity workout, softball bats, north face outlet, vans scarpe, abercrombie, nike air huarache, valentino shoes, hermes handbags, beats by dre, iphone cases, mont blanc, p90x workout, north face outlet, nike air max, hollister, mcm handbags, converse shoes outlet, polo ralph lauren, celine handbags, nike trainers uk, ghd hair, reebok outlet, gucci, salvatore ferragamo, nike roshe run, nfl jerseys, babyliss pro, ray ban, soccer shoes, jimmy choo outlet, converse, instyler ionic styler, lululemon outlet, bottega veneta, wedding dresses, mac cosmetics, vans outlet, nike air max, timberland boots, oakley, chi flat iron, asics running shoes, soccer jerseys, hollister clothing, herve leger, giuseppe zanotti, longchamp uk, abercrombie and fitch, louboutin, michael kors handbags

September 28, 2015 at 6:53:00 PM PDT  
Blogger ninest123 Ninest said...

lancel, moncler outlet, louis vuitton, moncler, montre pas cher, moncler, louis vuitton, sac louis vuitton, toms shoes, moncler, canada goose jackets, thomas sabo uk, louis vuitton uk, michael kors handbags, ugg,ugg australia,ugg italia, bottes ugg pas cher, michael kors outlet, barbour, moncler, ugg uk, ugg pas cher, sac louis vuitton, marc jacobs, pandora jewelry, wedding dresses uk, supra shoes, canada goose uk, doke & gabbana, canada goose outlet, canada goose pas cher, swarovski uk, barbour jackets uk, swarovski jewelry, moncler pas cher, juicy couture outlet, coach outlet, moncler uk, replica watches, michael kors outlet online, ugg,uggs,uggs canada, pandora uk, links of london uk, moncler jackets, canada goose outlet, hollister, pandora charms, juicy couture outlet, canada goose, canada goose, pandora jewelry, canada goose jackets
ninest123 09.29

September 28, 2015 at 6:58:00 PM PDT  

Post a Comment

Subscribe to Post Comments [Atom]

<< Home