Hurricane Insurance -- Are You Covered?

Hurricanes are very common in United States, and many states get ravaged due to the many hurricanes, that occur every year. These cause massive destruction not only to the land and property, but are the cause of many deaths also. In order to reduce the impact and save the lives and property of many people when hurricane warnings are issued the homeowners can board up their houses, so that the loss is minimized. To save themselves and to recover the amount of loss, there are several insurance policies issued, which covers all damages that are caused by hurricanes, except the damage that is outlined in the policy. Whenever a hurricane strikes a nation, it brings with it a lot of flooding hence this is not covered under the policy of insurance. Since the policies keep changing, it is essential that the homeowners keep reviewing their policies, so that a proper determination is made of the exact value of the assets, at the time when the loss occurred.
Many services are provided by the insurance companies, in the nature of temporary repairs. The first step that is taken by the insurance company is to fix, all that which is very essential in order to get the building in a habitable condition. Nothing should be invested in making extensive repairs, as the adjuster is required to make an appraise of the repairs at the earliest. The receipts of all the repairs and renewals should be saved so that they can be provided to the insurance whenever a need arises. In case you desire any kind of information about damages and losses, you may contact your insurance agent who shall provide you with all details that are associated with the insurance claims and services. In those cases, where you are making arrangements to live temporarily, it is very important to keep all receipts of the living expenses such as food, housing costs and storage, so that the insurance company is able to reimburse you with all the costs. The insurance company sends a "proof of loss" form that shall be sent to you on behalf of the Insurance Company. This form is to be returned as soon as possible to the insurance company so that they are able to process the rest of the formalities as soon as possible. However, it is always recommended that that you keep a copy of all the documents that you send to the insurance company.

Whenever a loss arises, it is very important to make a list of the damaged property, and that includes the list should include details about the make, models and also the serial numbers. All the old bills should be properly organized with the receipts, so as to be able to establish their age and receipts. The garages, sheds and pools are not to be forgotten, while making an assessment for the damage. It is not necessary to hire a licensed engineer in order to access the services, but there should always be a proper assessment of the damage.