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Hurricane Season Is Almost Here, Are You Prepared?

Hurricane Season Is Almost Here, Are You Prepared?

We are moving into Hurricane season and we to remind you of how important it is to have the right kind of insurance and to be prepared.  Hurricanes bring two big problems: water and wind. Depending on where you live, you may need to buy these separate policies in order to cover hurricane damage:

  • Flood insurance: No homeowner’s insurance policy will cover floods, including water from a storm surge. To get coverage, you’ll need flood insurance.
  • Windstorm insurance: Homeowners insurance policies in some hurricane-prone areas won’t pay for windstorm damage. If you live in one of these states and want coverage, buy a separate windstorm insurance policy.

Georgia Homeowners Insurance

Coverage is designed to provide reimbursement for damage to the structure and contents of the home caused by certain perils like fire, wind and theft. The liability portion will also be your first line of defense against a lawsuit from someone injured on your property due to your negligence. Allen & Furr can provide you with options for hurricane insurance, call us today.

Remember The Key Terms

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Allen & Furr Insurance & Wealth Management represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.