Before a catastrophe

• Review your coverages, are they up-to-date with current building and content values
• Know the amount of all your deductibles, depending on the type of loss these deductibles may vary
• Know the names of the insurance companies on all of your polices
• Know the policy number on all of your insurance policies
• Find the claims telephone number to the insurance company on your policies
• Make sure you are covered for different perils such as flood, excess flood, wind, excess wind, earthquake, and etc...
• Take a written inventory of your personal possessions, photographs will also help in the claims process
• Store all important documents in a safe place, in some instances these may need to be taken with you if you have to evacuate.

After a catastrophe

• If you have suffered a loss, call the claims number located on your policy immediately
• Take any reasonable steps to make temporary repairs; save your receipts for what you have to spend
• Have all the information you can gather ready to give to the adjuster, the more information he has the faster the claim can generally be settled
• Stay current with all of your premium payments
• If you must relocate, save all receipts and records of additional expenses you acquire due to your loss
• Make sure that the contractors you are using for repairs are licensed and insured
• Request to see certificates of insurance for:
  • General Liability
  • Workers Compensation
• Visit our web site for new information regarding claims in the event of a catastrophe