Preparing for a Storm

When looking for an insurance company to cover you in the event of a storm, look for a company that has been in business for a number of years, has weathered storms successfully, and knows how to handle claims after a catastrophe. Also make sure the company offers products that meet your current and future needs.

It’s important to keep in mind that most homeowners policies do not cover flood damages and only flood insurance covers flood. 

Tips to prepare for a big storm

  • Contact your agent to make sure that your policy is active with no gaps in coverage, and payments are up to date.
  • Take a personal inventory of your home and record your personal belongings.
  • Trim all trees that are near or over your home.
  • Gather personal hurricane supplies such as batteries, radio, flashlight, and water.
  • Check your windows and garage door to ensure that they are secure.
  • Microchip your pet.

Take these steps to protect your home/property from further damage

After a storm, if property repairs are required immediately:

  • Take pictures of damages. 
  • Make reasonable and necessary repairs to protect the property.
  • Keep an accurate record of repair expenses and receipts.
  • Prepare an inventory of damaged personal property showing the quantity, description, actual cash value, and amount of loss.
  • Maintain receipts for additional living expenses incurred and records that support the fair rental value.

Additional considerations: 

  • Use only licensed and insured contractors who are properly registered with the local Building Authority and obtain itemized repair estimates. 
  • Do not contract for any permanent repairs until an adjuster has inspected the damage.
  • If you relocate from your address or change your contact phone numbers, notify your agent and your adjuster.

Coverage by State

Select your state to explore the UPC Insurance products tailored to where you live.