Are You Prepared for Hurricane Season?
How to Prepare
- Get a Certified copy of the policy –Copy, Store and Share
- Review your policy and ask questions –check Duties in the Event of a Loss or Damage
- Retain a local mitigation contractor before storm season
- Retain a public adjuster before storm season; send us your policy before the storm
- Confirm access to ALL UNITS and common areas
- Multiple phone numbers for unit owners, i.e.: cell phone and emergency contact
- Survey unit owners to find out where they are going, if they evacuate
- Advise unit owners to retain copies of their own policies –review coverage for Additional Living Expenses (ALE)
- Educate your unit owners about the cost and time it takes to recover from Hurricane damages
- Photograph the property inside and out, including accessible units and balconies
- Find out the hurricane plan for nearby construction projects
How to make a Hurricane or Flood Claim
- Check the reporting requirements in the policy –it is not always your insurance agent –make sure all interested insurers are put on notice
- Verbally make the claim with general information –You are not an expert and nothing requires you to email or fill out forms
- Keep an orderly accounting of expenses and hourlies –This will be produced
- Access the entire property before the insurance company inspects
- Prove your damages, not coverage
- Always make the property available for inspection
- For Flood, proof of loss is due within 60 days of loss (not reporting)
- For Hurricane, check Duties in the Event of a Loss or Damage
