Hurricane Season
How can I protect my home during Hurricane Season? There is many ways to safeguard your home during Hurricane Season.
Review your Homeowners policy. In Texas, it's common for these Policies to exclude flood damage, which is one of the most frequent and costly types of damage. Make sure you understand what's covered and consider additional flood insurance if you live in or near a flood zone.
Don't have Homeowners Insurance? It's extremely important that homeowners consider protecting their homes with insurance during Hurricane season. While flood damage is one of the most frequent types of damage, many people experience wind damage. The strong winds pick up debris that can cause structural damage to homes. This might be some broken windows, loss siding, Roof Failure or overall damage to a home's exterior and interior. Consider purchasing policy at least a month before the start of hurricane season. As it
The Texas Department of Insurance advises homeowners to create a Home Inventory. Having a detailed list of your belongings can make filing an insurance claim much easier. It's far simpler to prepare this list in advance than to try to recall everything from memory after a disaster.
Here are some tips to keep in mind when creating a home inventory:
- Store your inventory list in a labeled folder along with a copy of your Insurance policy and any appraisal documents in a safe spot not located in your home. (Work, Friends House, etc.)
- List any dates, values, serial numbers, and brand names. Include any receipts of expensive belongings attached in your folder.
- Take up-to-date pictures of each room in your home including closets, the attic and garage. Include the date in your photos.
- Save a copy of your documents online