If you haven't felt the effects of the recent natural disasters through the country and world, tell me where you live and I'll consider the move. From flooding rains to wildfires to tornados it's proving to be a rough time for all. So how can you protect yourself?
First and foremost, it's important to have an emergency plan. Whether it's an emergency evacuation plan from your home or it's the best way to get to safety inside your home, make sure all your family members are on board. Remember that once you get to safety you might also need things, like food, blankets, flashlights, water, et cetera so be sure to have an emergency kit that is close to safety or easily accessible as you exit your house.
Now you are prepared to keep your family safe, how do you protect your things? Simple answer - Insurance. Make sure your broker or agent is familiar with the area and can help you sift through the risks you're bound to face. Should we consider flood insurance? Should you have wildfire protection? Should you have earthquake insurance? Should you have a separate deducible for wind or can we find a product without? There are so many things to consider depending on location, you'll never be able to address them all, but if you have a knowledgeable broker, you're ahead of the curve.
Before purchasing that insurance coverage, make sure you know the insurance company that will be paying your claim. Survey your social media friends, look at reviews online, talk to your broker. You want to make sure that the company you're working with has a good history of claims adjustment; that's what you're paying for after all, isn't it?
Good luck and be safe!
Photo courtesy of: http://eattomorrow.com/blog/wp-content/uploads/2015/08/natural-disasters.jpg
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