Thursday, August 29, 2019 / by Jordana Tobel
Here are some insurance tips to help you both before and after the storm.
Read your policy carefully and ask questions long before a storm approaches. Does it cover wind damage?
Insurance laws change from year to year. Check the “Exclusions” portion of your policy for recent changes.
Review the “Duties After Loss” section of your policy. Failure to follow the provisions in this section could result in non-payment on your legitimate claim.
Update your policy so your home is insured for whatever it costs to replace it, including your possessions. Find out how much coverage you have for Additional Living Expenses in case you have to live away from home while your home is repaired or rebuilt. Older homes that don't meet current building codes must be upgraded, which increases the cost of rebuilding them.
Be certain your agent is reputable and knows local building codes, welcomes questions and is willing to explain things clearly.
Don’t wait. ...
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Thursday, August 29, 2019 / by Jordana Tobel
Each year hurricane season begins on June 1st and lasts 5 months, with storms typically peaking in August and September. As with every hurricane season regardless of forecast, knowing the essentials of how to prepare could truly be a life saver.
Hurricane Knowledge
First, know your hurricane facts and understand common terms used during hurricane forecasts. Storm conditions can vary on the intensity, size and even the angle which the tropical cyclone approaches your area, so it is vital you understand what the forecasters and news reporters are telling you.
Tropical Depressions are cyclones with winds of 38 mph. Tropical Storms vary in wind speeds from 39-73 mph while Hurricanes have winds 74 mph and greater. Typically the upper right quadrant of the storm (the center wrapping around the eye) is the most intense portion of the storm. The greatest threats are damaging winds, storm surge and flooding. This is in part why Hurricane Katrina was so catastrophic when bringi ...
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hurricanes, hurricane, florida hurricanes, hurricane preparedness