As Hurricane Matthew churns through the Atlantic with possible landfall in Florida, the Property Casualty Insurers Association of America urged property owners to take basic precautions to protect themselves and their belongings.
According to FloridaRealtors.org, here are their hurricane precautions :
-Review your property insurance policy, especially the “declarations” page, and check whether your policy pays replacement costs or actual cash value for a covered loss.
-Inventory household items, and photograph or videotape them for further documentation. Keep this information and insurance policies in a safe place.
-Keep the name, address and claims-reporting telephone number of your insurer and agent in a safe place.
-Protect your property by covering all windows with plywood or shutters, moving vehicles into the garage when possible, and placing grills and patio furniture indoors.
-Keep all receipts for any repairs so your insurance company can reimburse you.
-Check with your insurance adjuster for referrals to professional restoration, cleaning companies if additional assistance is needed.
-Make sure watercraft are stored in a secure area, like a garage or covered boat dock. A typical homeowners policy will cover property damage in limited instances for small watercraft, and separate boat policies will provide broader, more extensive property and liability protection for larger, faster boat, yachts, jet skies and wave runners.
