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Important Tips For Car Insurance Claims and Hurricane Homeowners

If you live in hurricane territory you probably already know how to keep yourself, your loved ones, and your property as safe as possible during a hurricane.
You also probably know how to prepare for a hurricane such as storm-proofing your home and your garage or wherever you park your vehicles and also your vehicle that you will need if you have to evacuate.
You know about keeping emergency kits in your home and car, along with enough food, water and especially necessary medicines for a week in case you're stranded in your home.
One of the most important things to do is to have all your important documents in a water-proof safe or something handy that you can just grab on your way out of your home if evacuating.
These documents should include birth certificates, health information and also all of your insurance policies including your car insurance policy and your homeowner's insurance policy and also any health insurance documents you may need.
These documents should be as handy as your emergency kit so that if you have to evacuate you will have all the necessary policy numbers and the types of coverage you have on your car and your home just in case the storm demolishes everything.
After the storm has subsided and you are safe then it is the time to think about damage to your car, home or other property.
If your car was damaged now is the time to make your claim to your auto insurance company.
Before you make the telephone call make sure you have your car insurance policy handy along with your estimate of the damages to your vehicle.
Damage to your car from a hurricane could be anything from body damage to flood damage which could mean that you cannot drive it.
Hopefully, you have towing on your insurance policy because you will most likely need to call a tow company to take your car to a reliable car repair shop.
If you don't know where to have it repaired your insurance representative will usually give you a list to choose from for the repairs.
There is the chance that your car has been totaled and in that case your insurance company may provide you with a replacement vehicle if you have that option on your policy.
Living in a hurricane territory this type of coverage should be a must along with comprehensive and towing.
If your home or property was damaged by the hurricane you should call your homeowner's insurance company, again with your policy in front of you so you know what you're covered for.
Along with your policy, you should have an itemized list of what was in your home.
It is a good idea to have pictures of any expensive or antique pieces of furniture for replacement purposes.
As with your car, an adjustor will be assigned to make an estimate of the damage so that repairs can be started as soon as possible.
Hopefully, living in hurricane territory has made you someone that thinks ahead and takes everything into consideration when preparing for any disaster that may come your way.
It is always better to be over-prepared than not having anything ready when a storm comes your way.
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