It’s always advisable to protect your investment by keeping your home in good repair, such as by making sure the roof is sound and gutters are securely fastened. Hurricane season brings some additional considerations, such as applying tie-down straps to the roof, making sure storm drains are clear, removing dead trees and bushes, and having permanent storm shutters or pre-cut plywood on hand to cover windows.
When was the last time you spoke with your homeowners insurance provider? If it has been a year or more, ask for a policy review to make sure your home and contents are covered the way you believe them to be.
UNDERSTAND YOUR FLOOD RISK
Is your home at risk for flooding? In recent years, the highest volume of flood-related insurance claims has come from places that formerly were considered low-risk areas. Learn more here.
Be aware that flooding is not covered as part of a traditional homeowners policy. You must purchase that separately, if needed. Note that flood insurance policies typically have a 30-day waiting period before they take effect.
INVENTORY YOUR BELONGINGS
If your home were damaged or destroyed by a hurricane, would you be able to list all your belongings to file a claim? Probably not, but that’s what you would need to do.
We suggest creating a household inventory now. Having it at your fingertips after a hurricane is invaluable in helping settle an insurance claim faster. Read our tips for making it easier.
KNOW WHO CAN HELP
As a reminder, if your insured home is damaged by a storm and you need assistance filing a claim or have questions, please contact your Hylant service team member. Alternatively, you can contact your carrier directly to submit a claim:
Tokio Marine: 877-567-7486
Zurich North America: 800-987-3373
Finally, we strongly encourage you to use reputable, well-known contractors in your area for repairs. Your Hylant team member or insurance provider can give you the names of trusted companies.