Hope's Tips

Comprehensive Solutions

Once a tropical storm comes into the gulf, insurance companies stop binding coverage on all properties, including autos. Here are some tips to help you out! 

Make a list of all phone numbers, websites, and emails of the insurance companies that you deal with. Make a list of your policy numbers and what they insure. Don’t depend on your local agent. It is more than likely that his office will be damaged or closed or if he is open, he will be understaffed if some of his employees have damage to their homes

Take pictures of your home from various angles. Take pictures of each room in the house and pay special attention to expensive items or electronics. Take pictures of your vehicles if they will be outside.  Upload to your cloud service or email them to yourself before the storm hits.

 

Do all the other things that are recommended i.e. water and food reserves, generators, medicines, gasoline etc.

After the hurricane take pictures again, if possible, of all damage and before cleanup and again save online. Start cleanup and make necessary repairs to avoid further damage.

Communicate with your insurance company as soon as possible regarding any damage.

Do NOT talk with any “contractor” or “adjuster” that does not have a proper ID representing your company.  Most adjusters will call you before they go.  Do NOT sign anything. If your agent is up and running, call him for help or advice.  

Have a Pet Emergency Kit Ready

Your pet emergency kit should include:

  • At least enough water for a week for you and your pets

  • Nonperishable food (include a can opener if needed)

  • Food dishes and water bowls

  • Your pet’s medical records/proof of vaccination

  • Photos of your pets

  • Prescription medications (two-week supply)

  • ID tags on your pets’ collars or harnesses

  • Solid pet carrier

  • Cat litter and litter box

  • Puppy pads

  • Plastic bags or poop bags

  • Extra leash

  • Comfort items: pet bed, toys, treats

  • Pet first aid kit

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