Watch Out for Irene: Insurance Do's and Dont's

It has been some time since Connecticut experienced the brunt of a hurricane. However, with Irene fast approaching that, may be about to change.  Here are some tips for things you can do now to make life easier later.

Keep policy information such as the policy number and your agent’s telephone number handy.

Familiarize yourself with your policy. Know what is covered, and what is not covered. If the policy language is not clear to you call your agent. Do not assume anything. Despite what you may think, no policy covers everything. If you speak with someone about coverage, write down his or her full name, title, date and time of call, and summarize the conversation. Should an issue arise later the more details you have the better off you will be.

Now is the time to document your belongings. Video tape your home, or take still photos. Do not forget closets, pantry, storage sheds, inside of cabinets. On your big ticket items like TV’s, washer, dryer, refrigerator, freezer record the model and serial number. This will help you document your loss and it will expedite the claim process.

I hope that there will not be structural losses, but in the event of exterior damage most insurance carriers allow for emergency repairs such as replacing broken windows, covering holes in the roof or missing shingles, securing loose fencing, etc. The rule of thumb is exercise common sense — document the loss (pictures, picture, pictures) keep receipts and a list of all expenses incurred.

If your home is un-inhabitable, most homeowners policies cover additional living expenses. Your adjuster will guide you through the process. However, if you need to rent a hotel before you speak with an adjuster, choose your lodging as if you were paying for it out of pocket. The same applies for meals. Carriers see charges for room service, champagne, and caviar (yes, I had an insured that did just that) and they will not pay for it. Also, lacking electricity does not render a home un-inhabitable; it's uncomfortable, yes, but most policies do not insure discomfort. If your personal situation requires that, you have access to electricity all the times, call your agent, discuss your specific need and let him or her tell you what the carrier will do. Remember do not assume coverage, ask questions and document the details of the conversation.

Last, realize that your adjuster is not the enemy, he or she is there to help you, but they have a job to do. When we submit our reports to the insurance company, we must submit proof of the loss and back up our recommendations, (simply saying so is not enough). If we do not follow the carriers procedures the files are kicked back, and that delays your claim. Please work with your adjuster. Give him or her as much pre and post loss documentation as possible. Help him or her help you. Most important stay safe, and think before you act. Property is replaceable people are not.