Hurricane Season Prep: Essential Checklist for Agents

Review Wind, Hail, and Flood Coverage

Ensure your clients' policies include protection against wind, hail, and flood damage. It's crucial to remind them that standard homeowners insurance often excludes flooding. Hence, it's imperative they purchase flood coverage separately. Check endorsements to ensure full hurricane protection.

Stress the Importance of Reporting Damage

It's vital to stress to clients the importance of reporting any damage as soon as it's safe. Provide them with direct claims contact information and a step-by-step guide for filing a claim. This proactive approach helps ensure a smoother experience during the claims process.

Explain Deductibles and Limits

Take the opportunity to educate your clients on hurricane deductibles and what they might expect in terms of out-of-pocket costs. It's a good practice to review their policy limits, especially if they have recently made upgrades to their property.

Recommend an End-of-Year Policy Check-Up

Remind your clients about the benefits of a year-end policy review to reassess their coverage needs. Encourage them to reach out with questions well before the storm season begins to ensure they are adequately covered.

Remind Them to Document Property and Valuables

Advising your clients to take updated photos and videos of their home and belongings can save time and stress later. Suggest they keep both digital and physical records to facilitate the claims process if necessary.

Suggest Preparation for Emergencies

Share useful resources with your clients, such as local evacuation routes and storm shelter locations. Recommend that they prepare a storm kit with essentials like food, water, medication, and flashlights.

Hurricane preparation isn't just about physical readiness—it's about peace of mind. Empower your clients to weather the storm by utilizing this checklist. Remember, as their agent, you're not only a resource but also their trusted advisor. Don't hesitate to reach out for any questions or underwriting guidance.