Hurricane Season 2016 & 2017 were some of the biggest storm threats the Southeast US has experienced in over a decade. With so much time passing, it’s easy to forget some very important lessons we should remember every hurricane season. Below are three things to keep top of mind for next storm season.
Start preparing for storm season before there is a major hurricane on the radar. Check your generators, buy extra water and food, get your batteries and emergency kits ready and take whatever steps you need to prepare your home quickly. All of your supplies are things that you will eventually use anyway, even if the storm doesn’t hit. Spending the time and extra money to be prepared is smart, not wasteful.
Also, make sure everyone in your family knows your escape and evacuation plans before the storm strikes. Don't take it for granted that everyone knows what to do.
Know your Storm Deductible
If you live in a coastal state, it’s likely your policy includes a "Named Storm Deductible" or "Hurricane Deductible". These deductibles apply when damage is caused by a named storm such as Hurricane Matthew and they are often a percentage of the value of your dwelling coverage, instead of a fixed dollar amount. Generally this deductible is higher than the deductible that applies to “all other perils". Be sure to review all your policy deductibles with your agent prior to storm season. Know what your out of pocket expense will be if you have a claim and make adjustments to your deductible if needed. Lowering your deductible will save you money during a storm, however, it will also increase your premium. Your agent can help you determine the right deductible for you.
Call your Insurance Company First
When you experience damage to your home, from a storm or other peril, remember to always call your insurance company or insurance agent first. They can guide you through the claims process and put you in touch with reputable repair vendors to assist with emergency repairs. Unfortunately, it is during an emergency when people are most vulnerable to falling victim to insurance fraud. Be cautious of contractors that come knocking asking you to sign a contract for repair work before speaking to your insurance company. It could be insurance fraud.
Save yourself money and frustration by calling your insurance company first. Be sure to write down or program into your phone these important contact numbers (Anchor Insurance Claims: 844-365-5588) so they are easily accessible in an emergency.
Hurricane season has ended. But keeping the lessons learned during this season will help you be better prepared and safer during the next.
Stability When You Need It
You can rely on Anchor Insurance for stability when you need a little (or a lot) of help. Our swift claims response and warm customer care will provide you reassurance in unsteady times. Rest easy knowing you and your home are protected by a solid insurance company that can stand the test of time.