Newspaper article The Florida Times Union

Insurance Experts Outline Hurricane Policies Homeowners Should Know What Will Be Covered before a Hurricane Hits

Newspaper article The Florida Times Union

Insurance Experts Outline Hurricane Policies Homeowners Should Know What Will Be Covered before a Hurricane Hits

Article excerpt

Consider the stormy hurricane season preview that struck

Jacksonville and Southeast Georgia Tuesday a wake-up call on

homeowners insurance.

As some residents are cleaning up debris this weekend from the

wind gusts, reported as high as 106 mph in Jacksonville, they

also face the official start of hurricane season tomorrow.

Homeowners need to know about their insurance to make sure their

property is protected.

Know who your insurer is and have a copy of your policy.

This may sound like a no-brainer, but since 95 percent of all

homeowner insurance is paid through the bank that holds a home's

mortgage, it's easy to forget, said Sam Miller of the Florida

Insurance Council.

Make sure that basic coverage is adequate, that your home is

insured to its value. Sometimes people renovate their homes, add

a room or a garage, but they neglect to raise their insurance

protection.

"It was a big problem in Hurricane Andrew," said David Coakes,

a spokesman for State Farm Insurance.

Make a thorough, detailed inventory of the contents of your

home. Consider making a videotape of all your possessions. To

make a claim, you have to know specifically what you lost, so

doing the work before a hurricane, can save a lot of heartache

and damage to the pocketbook later on.

Put a copy of that inventory list or videocassette in a safe

place away from your home. Many of those living in Homestead in

1992 returned to find their homes, and any inventory they had

kept, destroyed. Use a bank safe- deposit box, or send the

inventory to family or friends who do not live in your area.

Consider purchasing insurance that covers the replacement of

your home's contents. It costs more, but otherwise you may find

yourself unable to replace everything that was lost. …

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