We at Maison Insurance are here to assist you in times of need, especially in the event of a hurricane. We have prepared this guide to assist you both before and after an approaching storm. Hurricane Season runs from June 1 through November 30, with the most active months being August, September and October. It’s a great idea to review your homeowner’s insurance policy to make sure you are adequately protected in the event of a storm. As always, if you have any questions about coverages call you agent, or reach out to our Underwriting department directly.
Hurricane Season runs from June 1 through November 30 with the most active months being August, September and October. It’s a great idea to review your homeowners insurance policy to make sure you are adequately protected in the event of a storm. As always, if you have any questions about coverage, call your agent or contact us.
Is your coverage up to date?
Verify that the coverages on your declarations page accurately reflect the value of your home. If you have made upgrades like an addition or a remodeled kitchen or bathroom, make sure your coverage is adequate.
Do you have coverage for Additional Living Expenses (ALE)?
ALE will assist you by reimbursing you for unexpected costs of living away from your home in the event that it is uninhabitable as a result of a covered loss. It may include food and lodging. You should verify that you have this coverage, and if not, contact us or your agent.
Are you covered in the event of flooding?
Most homeowners policies do not cover flood damage. Even if you don’t live in a high-risk flood zone, it may be a good idea. Just know that there is a 30-day waiting period to purchase a flood policy, so don’t wait until a storm is approaching to decide.
Are your personal possessions and valuables adequately covered?
Most policies contain special sub-limits for contents (e.g. electronics, jewelry, cash, furniture, clothing, etc.). Review your policy’s sub-limits and make sure you’re comfortable with them. If you need more coverage, contact us or your agent for pricing.
Also, consider preparing an inventory of your possessions in the event they are lost or damaged beyond repair. Go from room-to-room videotaping items, and keep a log of the make and models of all your electronics, computer equipment and other fragile valuable.
Prior to hurricane season, make sure you have a plan in place in case you need to evacuate your home. Make sure everyone in the household understands and knows the plan, which should include:
Print your own Maison Insurance Hurricane Prep Checklist. FedNat encourages you to always stay alert and prepared. We hope these helpful tips and tools help ensure you remain safe during storms and throughout hurricane season.