Are You Prepared for the Storm Season
This hurricane season insurance checklist can help you to understand your coverage and whether it’s adequate to repair or rebuild your home, if necessary, and to replace your belongings
Keep in mind that your homeowners insurance covers the cost of temporary repairs for hurricane damage, as well as reasonable additional living expenses (ALE) over and above your normal living expenses if you have to relocate (such as the extra expense of getting to work or to school if your temporary home is in a different community).
However, your homeowners policy doesn’t cover flood damage, so you may want to consider looking into flood insurance. If you live by the coast, you may also need a separate policy for protection against wind and wind-blown water damage.
If you have questions about what your current policy will cover or need to augment your current coverage, contact your insurance professional.