Are you in the dark about what your insurance policy will provide after a hurricane? Did you know that you may have coverage for food that spoils when the power fails even if your home isn’t damaged? Moreover, did you know that food spoilage coverage is often deductible-free?
Are you aware that a special, separate policy is required to cover flood? Did you know that flood policies have a 30-day waiting period? Will your coverage limits provide enough to repair and rebuild if your home is damaged?
These are the kinds of questions that you can answer during an annual insurance checkup to keep your policy current and keep you in the know before hurricanes strike.
Amanda Chase, State Farm Agent
This week’s Strong Homes, Safe Families! podcast interview and checklist (click here) focus on the insurance checkup or annual review—your way to make your policy #HurricaneStrong. My expert guest for this podcast is Amanda Chase, a State Farm insurance agent in Winter Park, Florida.
Topics Include:
- Financial Security: Having the resources to repair and recover from hurricanes
- Insurance Checkup: Review policies, obtain advice on coverage and updates
- Hurricane Deductibles: How they work, when they kick in
- Understand Exclusions and Eliminate Surprises: What a policy pays for (and doesn’t)
- Capitalize on Building Codes: Save money on insurance with discounts for good building practices, safety features and more
- Consumer Survey and COVID-19: More ready to get prepared to shelter at home safely
- Power Outage Coverage: Reimbursement for loss of use and food spoilage
- Control Uncontrollables: Know answers to questions to not fear the unknown
Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. Learn more about insurance and mitigation by downloading A Homeowners Insurance Guide to Natural Disasters or emailing your question to info@flash.org.