As we approach the start of hurricane season on June 1, 2023, we at Milling Benson Woodward, a renowned defense firm, underscore the importance of readiness in the face of potential natural disasters. With courts still processing claims from previous hurricanes, and many insured individuals still recovering from losses, preparation is more crucial than ever.
1. Crafting an Emergency Plan
First and foremost, every household and business should have an emergency plan. It must include familiar evacuation routes and emergency contacts. Ensure that every family member or employee is well-versed with the plan.
2. Securing Your Property
Next, focus on safeguarding your physical spaces. Loose items outside your home or business should be secured. Install hurricane shutters and reinforce doors and windows to mitigate the potential damage from violent winds.
3. Building an Emergency Kit
An emergency kit is a non-negotiable part of your preparedness strategy. It should contain water, non-perishable food, first aid supplies, essential documents, and necessary medications.
4. Staying Informed
Information is power in any emergency situation. Keep a close eye on weather reports and follow instructions from local authorities diligently.
5. Document Your Valuables
Take photographs of your property – both interior and exterior – and its contents. Safeguard your jewelry and cash by carrying them with you should evacuation be necessary. Consider scanning and saving receipts for major purchases as additional proof of ownership.
6. Understand Your Insurance Coverage
Bring your insurance policy documents and know how to initiate a claim. It’s essential to understand the specifics of your coverage. If your policy’s language seems complex, consider seeking help from an attorney.
7. Document Any Damage
If your property suffers damage, document it with photos. Keep all receipts for emergency repairs for potential reimbursement.
Understanding and Reviewing Your Insurance Policy
Understanding your insurance policy prior to a loss is important. Go over your deductibles and coverage with your agent or attorney. Homeowners should review their policies to ensure they have adequate coverage for hurricane damage. Standard homeowners insurance usually covers wind damage, but not flooding, which necessitates separate flood insurance. For businesses, it’s crucial to assess property, business interruption and flood coverage.
Remember, insurance isn’t just about protecting your property; it’s about protecting your peace of mind. Ensuring you have sufficient coverage before a storm hits means one less thing to worry about when you’re picking up the pieces afterward.
As hurricane season approaches, the task at hand may seem overwhelming, but remember, preparation is empowering. By taking proactive steps to secure your home or business and reviewing your insurance coverage, you’re not just preparing for a storm, you’re building resilience.
Insurance is not just a protective shield for your property; it’s a guard for your peace of mind. Having sufficient coverage before a storm allows you to focus on recovery, without the added burden of financial stress.
At Milling Benson Woodward, we stand by your side as you navigate the intricacies of defense in the face of natural disasters. Our expert advice and representation aim to provide the support you need during these challenging times. Our commitment is to safeguard your interests and peace of mind, this hurricane season and beyond.