Insurance and Trust | Hurricane Season | Jennifer Versaggi

Insurance and Trust | Hurricane Season | Jennifer Versaggi


Are you ready for the 2016 Hurricane Season?

The 2016 Atlantic Hurricane Season begins on June 1, 2016 and will end on November 30, 2016. This year the National Oceanic and Atmospheric Administration (NOAA) has forecast that hurricane season will be from near normal to hyperactive. With that I mind, we here at IAT want to help you prepare for a potential land falling tropical storm or hurricane with 5 easy steps.

Step 1 – Determine your Risk:

Find out what type of wind and water hazards could happen in the area you live. Hurricanes are not just coastal problems. In fact, inland flooding is the most frequent case of tropical cyclone fatalities. Tornadoes are also commonly spawned by a hurricane and can cause damage far away from the center of the storm.

Step 2 – Review your insurance policies

Meet with your insurance advisor once a year, well before hurricane season, whether you own or rent. Make sure you have flood insurance – as flooding is not part of a traditional homeowners policy. Also, know where your insurance documents and contact information are located. Make sure you take them with you if you are forced to evacuate.

Step 3 – Assemble Disaster Supplies

You are going to need supplies not just to get through the storm, but for the potentially lengthy unpleasant aftermath. Have enough non-perishable food, water, and medicine to last a person in your family a minimum of one week. You will also need extra cash, a battery-powered radio and flashlights. It also might be a good idea to have a solar powered USB charger.

Step 4 – Strengthen Your Home

If you plan on riding out the storm from your home, make sure it is in good repair and up to local hurricane building code specifications. You might want to shop for approved window coverings to put up before a hurricane approaches. Keep trees around your home trimmed, and bring in loose outdoor items such as patio furniture. Secure all doors on your property – especially your garage door, as it is usually the most vulnerable.

Step 5 – Identify Trusted Sources of Information:
NOAA’s National Hurricane Center should be your official source for hurricane forecasts and issuance of hurricane watches and warnings.

Remember the time to prepare for a hurricane is before the season starts. If you wait till the last minute, you might not be able to find supplies. Remember all it takes is one storm to change your life and community. Being prepared can mean the difference between you being a hurricane victim and a hurricane survivor.

Insurance and Trust | Is your Bling covered? | Jennifer Versaggi

Insurance and Trust | Is your Bling covered? | Jennifer Versaggi

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Guess what?…Your homeowner’s or renter’s policy doesn’t cover your engagement ring and other fine jewelry for loss or damage, and your policy likely provides only small and limited amounts in the event of theft. For example, most homeowner’s policies will pay a maximum of only $1,000 for jewelry theft, and a typical renter’s policy has even lower limits of $500.

The good news is that you can purchase a policy to cover jewelry for reason other than theft, such as being lost, or damaged! When purchasing this type of coverage, here are some questions you might want to consider asking:

– Is an appraisal required? The answer is typically yes, if you want a particular item scheduled. For example, an engagement ring, Rolex watch, or a family heirloom which has sentimental as well as monetary value.

– Are items covered no matter where they are?

– Would the policy cover you if you travel domestically or internationally?

– What if you lost your ring or other piece of lewelry while boating?

– Are items covered for full replacement cost or only for a certain level or cash settlement?

– If a piece of jewelry is damaged, will the policy cover repairs?

Contact us with any questions you may have today! These are just some of the issues you should consider when talking with your professional to make sure the pieces you love are protected.