During the 2017 Hurricane Season, many South Floridians found themselves scrambling for food, water, and gas, and some even hit the high road in an attempt to flee the state. But, because there was little planning and preparation, many individuals found themselves staying in unsecured homes with little food and water, and some even found themselves stranded along I-95 after they ran out of gas and couldn’t locate a gas station that had any left.
If you remember last Hurricane Season and were one of those individuals who was left in a panic because you failed to prepare your family and your home for the deadly storms that hit, then now is the time to correct your mistakes and prepare yourself and your home for the 2018 Hurricane Season which has already begun. Here are a few things you can do:
- You can start by keeping up with the latest weather forecasts and listen for any storms that have the potential to turn into a hurricane.
- Keep your hurricane food and water supply stocked up so that you always have enough and won’t be in the grocer fighting over the last jug of water.
- Have an emergency plan in place in the event you wish to leave your home. In this plan, you
should indicate where you will be going and it should be discussed amongst your family.
- Start picking up little items such as gas cans so that if a hurricane is expected to hit, you can fill them up and have them readily available for use. You may also want to get flashlights, batteries, etc. so that you don’t need to run around in search of them along with the hundreds of other people who are in need of them.
- Start saving some money. As you know, hurricanes have the tendency to shut things down, and when you can’t make it to work, you likely won’t be earning any money. So, perhaps it would be wise to set a little aside each month that will serve as your own “Hurricane Relief Fund.”
Aside from preparing yourself for the 2018 Hurricane Season, you also should know what to do after the storm has hit. Although we cannot prevent the destruction a hurricane is capable of bringing, we can be ready for the aftermath of it. So, if you have a home in Fort Lauderdale or any other city located in South Florida, here are a few insurance claim preparation tips provided on behalf of the Florida Record that will help you gain an understanding of what you should do in the event your home sustains damage and you need to file a claim to get it repaired.
- Prepare yourself for the aftermath of the storm. By this, we mean you should have an inventory list already written up that highlights all your valuables and what they are worth. Your insurer will likely ask for this when you file your claim. You should also know who to call in order to make any temporary repairs your home may need. While insurers may prioritize claims based on the severity of the damage, the Florida Record says that the quicker you file your claim the sooner it can be handled.
- Be aware of the scammers that are out there. After a natural disaster hits, many “companies” or “contractors” will try and convince you to let them make the necessary repairs on your home. The trouble is, many of these companies who claim they are licensed aren’t, and instead, they take a down payment from you and begin the work, but then never show up for the job after that. You can visit FEMA’s website to read more about how to avoid fraud, scams, and price gouging
- Be ready for your insurance carrier to dispute your claim. While you might be wondering why, the truth is, natural disasters result in insurance companies having to spend millions of dollars in repairs so in an effort to help them save money, they are looking to cut costs anywhere, and if that means denying your home insurance claim, they will. Florida Record even states “From denying coverage based on policy exclusions to claiming that storm damage is actually a “prior loss,” insurance companies will often use a variety of legitimate and illegitimate tactics to limit their financial responsibility as much as possible.”
Now, if you doencounter a denied insurance claim and seem to be getting nowhere with your adjuster or agent, your next step would be to contact a Fort Lauderdale, FL insurance claim denial attorney. The insurance attorneys at Leader & Leader, P.A. are experienced and aggressive and won’t stand for having your insurance company take advantage of you or wrongfully deny your claim. Therefore, if you are currently dealing with this or find yourself struggling at any point during the 2018 Hurricane Season, contact this firm by calling 954-523-2020 and they will be more than happy to help you.
You can visit Leader & Leader, P.A. at:
633 South Andrews Avenue, Suite 201
Fort Lauderdale, FL 33301