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A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
Here at Goosehead, we’ve never heard a client tell us they regret being overprepared for weather events. In most cases, taking a few extra precautions would have saved them time, headaches, and money. In this article, we’ll take you through some steps you can take ahead of a hurricane or flood to ensure you’re better prepared, as well as explain how to file a claim in the event you have damage from a weather event.
Taking some time to develop a plan will help you avoid a state of panic when you know a hurricane is coming. A good plan should include somewhere safe you, your family, your pets, and any extended family in the area can go. If you live in a coastal area, find a location inland where you can stay if there is enough time to travel before the storm hits.
Now that you’ve established the evacuation plan, make sure you’ve also planned an emergency kit for your home so you have essential items on standby. FEMA has resources that can help you prepare, but in general, you want to make sure your emergency kit has the following items:
If you live in hurricane-prone area, there are actions you can take ahead of time to prepare your home, like cutting back trees and installing storm shutters. But if you only have a matter of days or hours, here are a few tasks that can help alleviate unnecessary damage when a storm or flooding hits:
If you have a generator for your home, this is the time to purchase additional fuel and ensure your generator is working properly.
A strong hurricane may have heavy wind, tornadoes, rain, and flooding all at once. To be fully prepared, you’ll need to understand how insurance coverage works for each of these events.
Dealing with the aftermath of a hurricane or flood can be challenging, but there are some clear steps you can follow to get through the process.
Acting quickly when you have damage can save thousands of dollars, so try to mitigate any more water coming into the home. Contact a local water restoration service to start to eliminate the water and anything that it has touched. They will also dry out the home in preparation for the repairs to be done. Don’t forget to keep receipts from any immediate work that has to be done that first day. Your insurance provider wants you to minimize the damage from the water, but they also want to see documentation of what happened and what (if anything) was paid to minimize the damage.
Whenever there is a hurricane or flood, there will be hundreds, sometimes thousands of people who need help at the same time. It’s important that you make your insurance provider aware of your loss as soon as possible so that the claims process can begin. Thankfully, most insurance providers will pull claims adjusters and resources from other parts of the country to help support a faster process after a hurricane, but it’s still going to take a while, so get on the top of their list. Any damage caused to your vehicles can also be claimed under your car insurance policy at this time.
Take pictures of everything that was damaged and make a list of all of the things you have lost. Keep a record of expenses that you are incurring as a result of the storm. Most home insurance policies will cover the cost of a rental home or a hotel room if the home is not habitable. Make your adjuster aware that you can’t stay at your home so they can help you secure lodging. Keep a record of all receipts during this time so that you can maximize your benefits through the insurance provider.
Stay in close contact with both your agent and your claims adjuster while they assess the damages, review coverages, and work to repair your home. The main reason for a slower claims process or a bad experience is typically due to lack of communication. Send your documentation quickly and communicate via phone or email often, and the process will go much smoother for everyone involved.
If you’re a Goosehead client and you are experiencing the aftermath of a hurricane or flood, our Service team is ready to help. Visit our Contact Us page to learn the ways you can interact with Service and make a claim.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Navigating the world of personal property insurance can be overwhelming. How much insurance you really need depends on what assets you lease or own. At the very least, if you own or lease a car, you’ll need car insurance, and if you own a home, you’ll need homeowners insurance. Any other policies you may need to consider above those two are based on your location, assets, lifestyle, and risk tolerance. This guide will walk you through key types of insurance, helping you make informed decisions based on your circumstances.