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Disaster Planning Tips

As you know, dealing with insurance claims is far from pleasant. Like medical conditions, prevention is the best medicine. While you may not be able to prevent some disasters, you can certainly prepare for them. The following disaster planning tips are designed to help you navigate the insurance claims process should disaster strike once again.

  • Maintain a current home inventory – Proving your losses is much easier when you have current, accurate records of your belongings. If you do not have a home (or business) inventory detailing your belongings, now's the time to create one. Take photos or video of all of your belongings. Make sure to include model and serial numbers, purchase date and price, and other pertinent details. As time goes by, keep your inventory current by adding documentation for new purchases.
  • Review insurance coverage – Are you under- or over-insured? It's better to find out before a loss occurs so that you can adjust your coverage. Areas to pay special attention to include: replacement cost coverage, excluded items, and items subject to policy limits (such as art, electronics, or jewelry).
  • Keep insurance documents in a safe location – Your home inventory won't do any good if it's lost in a disaster. Take advantage of online storage to store electronic copies of your home inventory and insurance policy or place these important documents in a safe deposit box.
  • Keep the number of a public adjuster on hand – Should you face another insurance catastrophe, having a reliable public adjuster on your side from the beginning can ensure a smoother, more rewarding claim.

We sincerely hope you follow these tips and never need to fall back on them. If you do face an insurance claim in the future, you'll be glad you took the time to prepare.