Know the details; have the right coverage before a storm hits

Jessica  Rodrigo By Jessica Rodrigo

June 17, 2014 at 1:17 a.m.

Taking small steps now can be a big help later if a big storm hits the Crossroads.

Hurricane season continues through Nov. 30.

Joyce Moeller, a Farmers Insurance insurance agent in Cuero, said homeowners can prepare for a potential disaster by keeping record of everything in their home.

"The best thing to do is take video of everything in the home," she said. "Keep receipts for large items, and be sure to store them in a safe box outside of the home."

Today, there are ways to easily keep inventory of valuable items that might be damaged in a disaster, Moeller said. Electronic versions of receipts can be scanned and saved for retrieval at a later time, if they're needed.

Also, she said it's important that homeowners have appropriate insurance for their area. If they live in a flood plain, flood insurance might be something to consider.

"A lot of people look at the premium, and find out later they might not have full coverage," Moeller said.

Be sure to check the deductible on wind storm, flood and hail coverage, and check how high or low their deductibles are, she said. Sometimes, rates change. So before something happens, talk to insurance agents and go over details, she said.

If and when a disaster happens - whether it be a hurricane or a broken water line that causes flooding, homeowners can be prepared to meet with a claims adjuster.

Moeller said homeowners need to be ready to document everything again. Go over the valuable items and begin by writing everything down or taking photos of the damage, she said.

"Report the day and time and what happened," she said. This is important information any insurance company will be looking for after a disaster happens.

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