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Make Sure You Have Proper Insurance to Provide Coverage for a Hurricane

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Commentary by Edward H. Zebersky

It is very important that you review your insurance policies prior to the start of hurricane season to make sure that you have windstorm insurance and that the policy will cover both your home and your possessions adequately. You also need to make sure that the coverage lasts through October which is the traditional end of hurricane season. And keep in mind that once the National Hurricane Service issues a Hurricane Watch for your area, you will not be able to change your coverage.

It is also a good idea to take an inventory of all of your possessions, including where you bought your possessions and the cost of those items. The inventory should not only be a written list but if you have a digital camera you should also take pictures of your possessions. Likewise, you should take pictures and video of both the inside and outside of your home to ensure that you will be able to easily prove to the insurance company that damage is caused by a hurricane. All of these records and all other important documents (like the deed to your home, any Wills or other papers) are stored in a safe place. In the event you must evacuate because of the hurricane, you should consider taking your documents with you.

If you have any questions, or would like more information, regarding what insurance to purchase, please do not hesitate to contact Zebersky Payne Shaw Lewenz, LLP. We are here to help.

Jordan A. ShawMake Sure You Have Proper Insurance to Provide Coverage for a Hurricane

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