Hurricane Season is nearing it’s peak months. Be sure you and your family are prepared.

Eight Steps to Prepare for Hurricane Damage:

1. Make a visual record of your home and possessions. Use your digital camera or video recorder to document the condition of your home and belongings.

2. Considering preparing a detailed list of all your personal and business property prior to a storm. This will help document your claim after a loss.

3. Remove valuables such as family photos that cannot be replaced and store them in a safe or safe deposit box.

4. Place copies of your insurance policies, family medical information, and important documents such as deeds and wills in a safe deposit box, safe or your car.

5. Carefully review your insurance coverage in advance of hurricane season. What is your deductible on a hurricane loss? Does your policy cover flood or wind damage? Does it take into account current market value to rebuild your home or business?

6. Be sure to review the “Duties After Loss” section of your policy. Failure to follow the provisions listed in this section could result in non-payment on your legitimate claim.

7. Check the “Exclusions” portion of your windstorm policy. Many insurance companies have added new exclusions to coverage, which could affect your protection.

8. It is your right to submit a claim. Don’t allow your insurer or agent to persuade you from seeking help with your claim. Only licensed public adjusters can help you adjust a claim and they’re required by law to include their license on contracts. Visit www.fapia.net to print out contact information for licensed FAPIA public insurance adjusters in your area that you can quickly contact in case damage occurs.