We’ve covered it before, but it can’t hurt to cover it again: September is National Preparedness Month. Having a plan for when disaster strikes at home, at work or on the go can make a huge difference in the impact an event will have on you and your family. Visit http://www.ready.gov/september to see the recommended plans for the month.
In the spirit of preparedness, don’t forget to read your insurance policy and check with your insurance agent to be sure you are protected against disasters that might happen in your area. Take some time to inventory your belongings in case the unthinkable happens. The National Association of Insurance Commissioners (NAIC) has developed an app (available in iTunes or Google Play) to allow you to catalog your belongings electronically, and they also offer a downloadable PDF if you prefer to have a hard copy. Creating a home inventory will also help you determine if you have enough coverage for your belongings. Consult your licensed insurance agent for assistance in understanding or altering your coverages.
The biggest hurdle to overcome in being prepared is planning. While we all hope we won’t need to use our plans, disaster can strike anywhere at any time.
This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.