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HurricaneYou built your home on the coast, and the weather is lovely. The gorgeous sunsets and breeze blowing in make living here dreamy. That dream can turn into a nightmare if you aren’t prepared for hurricane season. Below are tips about hurricane insurance.

Homeowners Insurance

Most people obtain homeowners insurance coverage and don’t worry about storms. They are certain that insurance will cover the┬ádamage. Do go over your policy and find out if it covers hurricane insurance. In most cases, it doesn’t. Flooding is typically not covered either. Don’t get caught in a disaster without homeowners insurance coverage for hurricanes.

Commercial Insurance

Do you know what your commercial insurance policy covers? You may be surprised to learn that it generally does not cover hurricane damage. Do purchase a policy with your insurance coverage for hurricanes. Hurricane season can be disastrous to business owners. Don’t let that happen to you.

Auto Insurance

Wind from a big hurricane just slammed your car into another car. You aren’t worried. Your auto insurance will take care of it, right? More than likely, the answer is wrong. Unless you have collision and comprehensive added to your auto policy, you may be out of luck. Do add these to your policy if you don’t already have them. Don’t find yourself up-the-creek without your car.

In General

Insurance coverage can be complicated to understand. You purchase it and think you’re covered. That simply isn’t the case where hurricanes are concerned. Do check your policy to see where you stand. Don’t get caught in the storm without your umbrella of coverage. Hurricane force doesn’t have to force you to lose out.

tornadoMost people enjoy spring time weather. However, hurricanes are more likely to occur after spring ends. Hurricane season starts in June and ends on November 30. Hurricanes can do a lot of damage and can be frightening to live through. Fortunately, there are things that you can do to stay safe during a hurricane. Below is a list of things that you can do in order to prepare for hurricane season:

Make Sure That You Have The Proper Insurance Coverage

You will need to review your insurance coverage before the hurricane season starts. Your homeowner’s coverage may be sufficient. However, you may also have to get hurricane insurance. Your homeowner’s insurance coverage will likely cover the wind and rain damages, but it may not cover flood damages. That is why you may have to get hurricane insurance. This form of insurance will cover any type of damage that the hurricane causes.

You may also want to review your commercial insurance policy and auto insurance policy. Your commercial insurance can cover damages that a hurricane causes to your building. It can also cover losses that occur if you are forced to temporarily shut down your business because of the weather. Auto insurance will cover damages that the hurricane does to your vehicle.

Take Inventory

Before the nice spring weather ends, you should take inventory of everything that is in your home or business. This will make it a lot easier for you to file an insurance claim.

Make An Emergency Kit

You should stock an emergency kit that has basic things that you will need to survive. First aid kit, change of clothing, essential medication, water bottles, non-perishable food items, batteries, flashlights, pillows, blankets, sleeping bags and personal hygiene items are some of the things you should put in an emergency kit.

Hurricane

Hurricane season, which generally lasts June 1-November 30 in the United States, can be of great concern for business owners or homeowners who live in areas prone to these forces of nature, such as residents of the east and gulf coasts. With the 2015 season right around the corner, spring time weather can turn deadly very quickly. Therefore, it’s imperative people in these areas make sure various types of insurance coverage, such as homeowners insurance coverage and auto insurance, are updated to cover any losses they may incur.

For homeowners, there are steps they can take to help limit potential damage to their homes. Permanent storm shutters can be installed to keep windows from breaking, while straps or clips can be used to secure the roof to the frame’s structure in the event high winds arrive. It’s also a good idea to make sure all garage doors are reinforced, since failure to do so can result in catastrophic structural damage to a home if wind enters in this manner.

Business owners can also take steps to ensure they come through the situation with as little damage as possible. Commercial insurance policies should be updated to make sure the coverage is adequate, since many businesses start out with modest coverage amounts and then need additional coverage as the business grows. To limit damage to the building and surrounding area, any trees or bushes planted around the exterior should be trimmed back to make them as wind resistant as possible. Important documents should be put in a fireproof box and moved to a safe location, as should any equipment that can be transported.

Whether a homeowner or business owner, hurricane insurance should be an essential part of any insurance package for people living in the pathways of these destructive forces of nature.

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