Once again we are in the hurricane season and as evidence of the most recent storm that skirted Jacksonville, we may be in for another busy season. At. J.P. Perry Insurance, we want to remind you of the preparations you should take to protect you, your family and your property.
Right now you need to evaluate your homeowners' policy to make sure you have adequate coverage because insurance companies will not write policies when a hurricane watch is in place.
For property in Florida, your policy most likely will have a hurricane deductible, which varies depending on your particular requirements. Your insurance protection against storm damage my also require additional coverage that includes flood insurance and windstorm coverage. In reviewing your policy you need to consider the following:
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Check your policy limits and make sure the amount is enough to rebuild your home;
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Understand your hurricane/windstorm deductibles;
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Understand what disasters your policy covers and doesn't cover;
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Determine the value of your possessions;
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See if your policy provides for additional living expenses.
Your J.P. Perry agent will be glad to review your policy to determine if your current coverage is enough to provide you with full protection. In addition, the J.P. Perry staff recommends you take the following additional preparations:
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Photograph or video the inside and outside of your home;
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Photograph or video the possessions in your home;
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Keep these photos, along with any of your important documents, such as your insurance policies, in a bank safe deposit box or in a waterproof safe in your home;
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Have your policy number and your insurance company claims contact information easily accessible during the storm;
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Visit FEMA.gov for additional information on how to prepare yourself financially for a storm.
When it comes to knowing what to do to protect your property from storm damage, your J. P. Perry, agent knows how to help you be prepared.