When the wind blows and the rain falls, sometimes trees and hailstones start falling too. In big summer storms, things can get unpredictable, but having the right coverage can bring you a lot more certainty.

 

When it comes to storm insurance, preventative measures are always best. Look around your property and find any trees that could cause potential issues in the event of a storm and call an arborist to have them taken down. Make sure that as many of your vehicles as possible are covered and stored properly when not in use. Taking these steps will prevent you from having to make a claim in the first place and will save you a lot of stress.

 

However, if you do need to make the claim, here are the steps you need to take:

• First, make sure that everyone is safe, and then try to prevent any further damage to your property.
• Second, try to document the damage with photos or video.
• Third, talk to your broker and make sure that your plan covered the type of loss you've suffered from. They can tell you what your specific policy covers and what deductible you'll be subject to. We'll then submit the claim for you and have an adjustor come out to survey the damage and talk to you about your next steps.

 

Don't forget to check your vehicle coverage as well. Basic plate insurance may not fully cover your vehicle in the event of storm damage. A package policy is a must in order to lower your deductible and make sure you have the coverage you need.

 

All the while, we want to be there with you throughout the claim process to address any issues that come up along the way and to make sure that you're comfortable. Even if you'd like us to attend the scene with the adjustor, we can be there.

 

If you have any questions about your coverage, set up a quick meeting with your broker and they'll pull up your specific policy and talk to you about what you're covered for, what you're not covered for, your deductible, and anything else that might affect your policy.

 

If you'd like to listen to the original radio interview about this topic, click here.