Hurricane Season: Are You Prepared?
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Checklist
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Purchase a Flood Insurance Policy
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Create a Home Inventory List
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Store Documents/ Agent’s Contact Information
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Review Your Health Coverage
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The 2020 Atlantic Hurricane Season begins June 1 and the Louisiana Department of Insurance encourages you to “act now” to protect your property and possessions. We’re providing a detailed guide that guarantees you will be insurance-ready if a storm threatens our state. Here’s a breakdown of the checklist above.
Flood insurance. Most homeowners insurance policies do not include flood coverage. Check your policy documents to make sure you have the coverage you need, and identify your hurricane deductible. If you don’t have appropriate coverage, you might consider purchasing flood insurance. Be aware that most flood insurance policies do not take effect until 30 days after purchase.
Home inventory list. Make a list of your furnishings, clothing, and valuables to help your adjuster in case of a claim. It’s also a good idea to take pictures or make a video of each room and the exterior of your home. Click here to watch a video.
Copies of important documents and agent’s information. Make sure that your important documents, like birth certificates, insurance policies and passports, are stored in a safe, dry place. Keep originals in a safe deposit box if possible. Also, you will want to have your agent’s contact information to enable you to start the claims process as soon as possible.
Review your health coverage. Identify your network hospital and find out from your provider what coverage your plan provides when you are displaced and need medical care outside of your area. Locate the pharmacy you are most likely to use and have their contact information on hand. Have at least one-month supply of medication on hand. You will need to contact your insurer, not your pharmacy to find out if you can fill a prescription early.
If you have questions about your policies, please contact us at 1-800-259-5300 or visit our website.
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