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The original item was published from 9/19/2018 1:29:40 PM to 10/3/2018 10:05:02 AM.

News Flash

Fountain Valley News

Posted on: September 19, 2018

[ARCHIVED] Week Three of National Preparedness Week

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When ensuring you are covered for the next disaster, insurance is the first line of defense; check your insurance coverage annually. Inventory your home or business regardless of the type of coverage, maintaining a detailed inventory of your property’s contents will assist you if disaster strikes.

Keep vital records in a safe place. Use waterproof and fireproof boxes and/or safes for storage, or use a bank deposit box. You can also photograph copies and keep them with an online site secured by a strong password.

Be aware of what your policy covers and what it doesn’t cover. Your mortgage lender may have minimum insurance requirements; however, be sure to carry enough coverage for your needs – which may be more than the minimum requirements.

Familiarize yourself with the process of filing a claim so you can get the process started as soon as possible after the disaster. These are some general suggestions for filing a claim:

  • File claims promptly
  • Save receipts
  • Take pictures and video of damage
  • Work with your adjuster

Lastly, be sure to ask your insurance provider if you qualify for any discounts. Some companies offer discounts for multiple policies, being a senior or retiree or being a long-term policy holder.

Here are some more tips to ensure you are covered:

  • For additional information about preparing your home to better withstand disasters, as well as recovering, repairing, and rebuilding following disasters, visit the Insurance Institute for Business & Home Safety at disastersafety.org.
  • To download a homeowner’s guide to natural disasters, including ways to reduce potential damages and premiums, visit flash.org/homeownersinsuranceguide.
  • For information on insurance regulations in your state, contact your state insurance commission. A map linked to each state’s insurance commission website is available at naic.org/state_web_map.htm.
  • For insurance-specific questions, visit the Insurance Information Institute at iii.org.

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