Hurricane season is already upon us here on the Gulf Coast and the peak of the season is fast approaching. As your insurance representatives, we are here to help you plot the course before a major storm makes landfall.
Your personal safety is of utmost importance to us; therefore, we recommend that you evacuate when a major storm threatens the area. Prior to leaving, be sure to secure your valuable papers and emergency contact information. To prevent extensive damage and help with the claims process when you return we urge you to take the time to gather objects from your yard that may become projectiles and secure them indoors, shutter your windows and doors, and take photos of your property and belongings.
Underwood Anderson Insurance is committed to providing excellent client services during a storm. On a day-to-day basis, we encourage clients to call us directly to report claims. Our offices are supplied with generators, laptops, and more that will allow our staff to return as soon and as safely as possible. In addition, we now have the capability to help you remotely if internet and phone services remain intact. However, it may be necessary for our offices to be temporarily closed depending on the severity of local destruction. In the event you need to make a claim and are not able to get in contact with us, we encourage you to go to our website at www.underwoodanderson.com for a list of claim phone numbers for all of the major insurance companies we represent. You can report your claim with a representative who is outside of the affected area. Claim reporting numbers and other pertinent information can also be found on your policy. However, there are some personal and commercial line companies that will require you to report claims through our office when we return.
Taking immediate action to prevent further damage after a storm is equally important, such as covering damaged openings with tarps and/or plywood to protect and begin the drying process, taking photos before repairs are made, and keeping receipts of all expenses to provide to the adjuster that will be contacting you.
You will be working with an adjuster throughout the claims process. The adjuster will survey and complete a scope of damage to the dwelling structures, vehicles, property, etc. You will be required to provide a list and photos of all damaged or destroyed contents or personal property. A form can be provided for this. Preparing a contents list may seem like a huge task. We suggest you break it down room by room and the items will come to mind during the process. Also, the photos taken before the storm can help when you struggle to remember items. We know the claims process can be a daunting task, if you become confused or frustrated, we are always here to answer your questions and ease your concerns.
Here at Underwood Anderson we take our client’s needs seriously. Our agents are always standing by to help you when disaster strikes. We also strive to keep you educated in the precautions to take to reduce your risks. Please take time to read and keep on hand the following in preparation for a Hurricane as a guideline of what to do when a Hurricane watch or warning is issued.
HAZARDS YOU SHOULD PREPARE FOR IN THE EVENT OF A HURRICANE STORM SURGE - A HURRICANE’S WIND CAN PUSH WATER UPON LAND WITH DESTRUCTIVE FORCE. THIS CAN LEAD TO ORDINARILY DRY LAND BEING SUBMERGED IN UP TO A FOOT OF WATER. REMEMBER, STRONGER THE STORM STRONGER THE SURGE.
- INLAND FLOODING - FLOODING IS EXTREMELY DANGEROUS AS IT HAS CAUSED MORE THAN HALF OF THE DEATHS ASSOCIATED WITH THESE TROPICAL CYCLONES IN THE PAST 30 YEARS.
- HIGH POWER WINDS - THE WINDS OF A HURRICANE CAN CAUSE ABSOLUTE DESTRUCTION TO POORLY BUILT HOMES AND MOBILE HOMES. ANY DEBRIS SUCH AS SHINGLES, SIGNS, OR OTHER SMALL ITEMS LEFT OUT CAN TURN INTO DANGEROUS AND DESTRUCTIVE PROJECTILES WHEN MET WITH THESE WINDS.
- TORNADOES - THE WIND CURRENTS OF HURRICANES CAN ALSO LEAD TO THE CREATION OF TORNADOES WHICH CAN ADD TO ITS DESTRUCTIVE NATURE. TORNADOES ARE MOST COMMONLY FORMED IN THE RIGHT-FRONT QUADRANT OF THE HURRICANE.
WHAT TO DO WHEN A HURRICANE WATCH OR WARNING IS ISSUED
HAVE A FIRST AID AND DISASTER SUPPLY KIT PREPARED IMMEDIATELY
- HAVE A NOAA ALL-HAZARDS WEATHER RADIO AND BACKUP BATTERIES
- HAVE A FAMILY AND BUSINESS PLAN FOR BEFORE, DURING, AND AFTER, ALSO DO NOT FORGET ABOUT YOUR PETS
- EVACUATE YOU AND YOUR FAMILY
- DETERMINE IF YOU ARE IN A STORM SURGE WARNING ZONE
- MITIGATE HURRICANE DAMAGES
- LEARN HOW TO PREPARE YOUR HOME FROM WIND AND STORM DAMAGE BEFORE A STORM THREATENS YOUR AREA
- INSURE YOUR HOME AND BUSINESS IN THE EVENT OF FLOODING
- PROTECT ALL OTHER ASPECTS OF YOUR HOME
At Underwood Anderson Insurance, we are here to help you before and after the storm.