It’s National Preparedness Month. Are you ready for the next storm?

Before the next storm hits, homeowners should review several sections of their insurance policies, document items that could support future claims and, depending on location, consider additional forms of protection.

During National Preparedness Month, the Florida Association of Public Insurance Adjusters (FAPIA) recommends:  

• Knowing what your policy does and does not cover. Not all insurance policies are the same. Some policies contain restrictions that will make it difficult for you to be fully compensated for your losses.
• Making sure your deductible is not too high. This represents the out-of-pocket expense you will have to absorb if you have a loss.
• Knowing your home’s vulnerability to storm surge, flooding and wind. Confirm whether your policy covers such damage. 
• Reviewing the “Duties After Loss” section of your policy. Failure to follow the provisions listed in this section could result in non-payment on your legitimate claim.
• Checking the “Exclusions” portion of your windstorm policy. Many insurance companies have added new exclusions to coverage, which could affect your protection. 
• Making a visual record of your home and possessions. Take pictures or shoot video to document the condition of your home and belongings before any damage may occur.
• Preparing a detailed list of all your personal property. This will help document your claim after a loss. Gather up receipts for large items such as major appliances, furniture and electronics; make copies to include with your property inventory. 
• Creating a disaster supply kit that includes copies of your insurance policies, family medical information, deeds and wills, etc. Place the originals of those important documents in a safe deposit box, safe or in a tightly sealed container in your car and make a digital copy to keep on the cloud for easy reference. 
• Purchasing flood insurance. Flood insurance has a “grace period” of 30 days before it goes into effect. That means you should purchase it well before any major storm. If you purchase it less than 30 days before a flood, you will not have the ability to file a claim. 

In the event that a homeowner suffers property damage from a storm, FAPIA encourages them to hire only licensed public insurance adjusters – not contractors or “restoration consultants” – to represent themin navigating their insurance claims. Public insurance adjusters are licensed by the state and trained to ethically advocate for and help policyholders during what is often a confusing claims submission process. Public adjusters will help homeowners carefully review their policies, as well as negotiate and secure fair payments to cover needed repairs. 

To learn more and find a FAPIA-member licensed public adjuster in your area, visit www.GetReadyFlorida.com.