As Long Island is entering “Hurricane Season” many of our homeowners reside near coastal waters. VRP would like to discuss hurricane tips and coverage under your insurance policies.
It is important that you obtain adequate homeowners coverage, in the event your home has to be rebuilt or reconstructed after a total loss. Hurricane deductibles are typically high and can range anywhere from a flat $1,000 deductible to 2%-5% of your policies dwelling limit. The deductibles are triggered differently depending on the carrier. The deductible trigger could be a category 1, 2 or, 3 hurricane or could just be wind. Also discuss with your broker if a wind storm deductible applies.
The following are tips on how to minimize loss and maximize your safety.
- Evacuation plans- include evacuation routes, supplies, pets, fueling your vehicles, and safe shelters closest to you home.
- Outdoor belongings such as lawn chairs, equipment, toys, etc., should be brought in your home or secured.
- Secure windows & doors from inside and outside your home to minimize damage and your safety.
- Safe room-away from windows and hazards that can harm you and your family.
- Keep portable radios, flashlights & batteries handy
- Refrigerators & freezers should be set to their highest settings, and small appliances should be unplugged.
- Keep a supply of water for drinking. It may also be a good idea to fill your bathtubs and sinks with water.
After the Storm
It is not easy seeing the damage hurricanes can cause to your property. However there are certain obligations that need to be attended to for the insurance recovery process. Please consider the following tips on how to make the most out of any insurance loss.
- Contact your insurer about the loss as soon as possible.
- It is helpful to record or take pictures of the damage
- Keep record of all expenses that incurred due to the loss such as food & temporary housing.
- Reasonable action to protect property from further loss or damage should be considered as well.
Experiencing a loss can be traumatic and overwhelming. Keep in contact with your broker and be sure to take the time tin filling out reports properly with detail. Cooperation between you, your broker and claims personnel will help make the loss and insuran
If you have any questions about your existing policy, are inquiring information about a possible future policy or need further information, please call us at (631) 738-7300 or get a quick quote at www.vrpinsurance.com
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ce recovery process work efficiently and timely.