 Hurricane Season in South Florida is around the corner and begins June 1st through November 31st. Whether you own a residential or commercial property, you should plan ahead and be prepared. You can take many precautionary measures in advance to protect your property and financial well-being and avoid being unprepared at the last minute. Although preparation and property protection are important to avoid filing a property damage insurance claim, there are times when it cannot be avoided. Following our checklist and tips below will help alleviate the stress and anxiety of last-minute preparation. Hurricane Supply Checklist We created our own Hurricane Supply Checklist to help make your preparation easy so you do not have to think about what you need. Click below to download your free copy. Why Pre-Damage Property Inspections Help Get a pre-damage property inspection before you need to file an insurance claim. This will prepare you with sufficient evidence and proof that new damage is not pre-existing damage. Not everyone has the time, resources, or equipment to comprehensively document the interior and exterior of their property before damage occurs. Reliant Insurance Adjusters has a Pre-Damage Inspection Program for both residential and commercial properties in Broward and Palm Beach County. We conduct a complete and thorough inspection of the interior and exterior of your property to document its condition before you have to file an insurance claim. Our inspections include a photo report of the exterior and interior, together with aerial images of your roof with our state-of-the-art drone equipment. Know Your Insurance Coverage Reviewing your insurance policy to verify that your property is fully protected and covered for any damage, such as fire, water damage, hurricanes, and wind, is important. You must obtain a separate flood insurance policy because a property insurance policy does not cover flood-related damage. Inventory Your Property Compile a list of all your personal belongings or business personal property together with photos or video showing the condition before any damage occurs. This is not only for hurricane damage but also in the event of water damage and fires. Keep any important reports, documents, photos, and videos stored in cloud-based storage for easy access, as well as protect physical copies in plastic bins. Prepare & Protect Your Property Reduce or prevent water damage by diverting water away from your property by clearing your gutters, downspouts, and drains. If you do not have impact windows or storm shutters, cover your windows with plywood. Trim large trees and store outdoor furniture and items indoors. This will help protect the exterior of your property. Plan Your Evacuation Route You should always plan your evacuation ahead of time in the event you must leave. Evacuations are not just for those who reside on or near the coast. If you do evacuate, unplug all appliances and electronics and try to place them above ground level in case of flooding. When planning, familiarize yourself with nearby shelters and where you can board your pets. Make sure to review the plans with everyone in your home and that each person knows what to do in the event of an emergency. Reliant Insurance Adjusters is here for you. Our team has the knowledge and experience to handle all types of insurance claims, interpret insurance policies, and protect our clients’ best interests. We also have the resources to conduct a Pre-Damage Inspection of your property. Contact us today to schedule your inspection and receive a free insurance policy review.
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