Do You Need a Better Hurricane Preparedness Plan for 2018?
“Last year we saw record rainfall from Hurricane Harvey, severe power outages due to Hurricane Maria, and the longest-lasting hurricane ever recorded - Hurricane Irma,” says
“It is important for Floridians to have a plan, and stock up on supplies.
Here are additional hurricane preparedness tips from
- Have a plan- Do you know your evacuation zone? Have a plan of action in place so that you do not have to make any last minute decisions. If you have pets or special needs, be sure to identify shelters that can make those types of accommodations well in advance.
- Stock up on supplies- Be sure to have enough water and non-perishable food to last at least five days. Water bottles quickly run out of stores when a big storm is on the horizon. Keep a couple of cases on hand at all times, as well as a flashlight, can opener, batteries, matches and cash. Buying a new first-aid kit each season is always a good idea, as well.
- Hurricane-proof your home- Install storm shutters, replace old garage doors that are approved for both wind pressure and impact protection, and make sure exterior doors have at least three hinges with a dead bolt lock one-inch long or more.
- Create a home inventory- Having a complete record of property expedites the claims process and helps ensure that you are reimbursed for your belongings. This can easily be done with a smartphone or video camera.
- Protect all valuables- Store your valuables and documents, such as insurance paperwork for you to reference post-storm, in a portable, waterproof container.
- Backup information on your electronic devices- Make sure data from your phone and computers are backed up before storm season.
Here are some of the key differences between American Integrity’s flood endorsement and an NFIP policy:
- American Integrity’s endorsement offers one deductible for both structure and contents, while the NFIP policy has two separate deductibles for structure and contents.
- Unlike the NFIP, there is no waiting period for customers for the flood endorsement.
- Rates are up to 15% lower than policies with NFIP.
- Additional Living Expense (ALE) of up to
$5,000 is included. If a home is unlivable due to a covered loss, ALE provides coverage for the homeowner to reside elsewhere while their home is being repaired. NFIP policies do not offer this important coverage.
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