☰ ˟
Get your free quote 800.551.3817
Logo
  • Home
  • About Us
    • About Us
    • Agency Owners
    • Our Carriers
    • Our Sales Team
    • Leave A Google Review
    • Testimonials
    • Our Videos
    • Our Blog
    • Community Outreach
    • Veterans
    • Employment Opportunities
    • Privacy Policy
  • Personal Insurance
    • Coastal Insurance
    • Automobile Insurance
    • Boat and Watercraft Insurance
    • Homeowners Insurance
    • Dock Insurance
    • Earthquake Insurance
    • Flood Insurance
    • Golf Cart Insurance
    • Jewelry Insurance
    • Mobile Home Insurance
    • Motorcycle Insurance
    • Personal Umbrella Insurance
    • Recreational Vehicle Insurance
    • Renters Insurance
    • Windstorm Insurance
  • Business
    • Bond Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • Condo Association Insurance
    • Contractors Insurance
    • Cyber Liability Insurance
    • Directors and Officers Liability Insurance
    • Employee Benefits
    • Errors and Omissions
    • General Liability Insurance
    • Nonprofit Insurance
    • Restaurant Insurance
    • Special Events Insurance
    • Trucking Insurance
    • Workers Compensation Insurance
  • Life & Health
    • Group Health
    • Worksite Group Benefits
    • Life, Variable Life & Annuities
    • Medicare Supplements
  • On-Line Service
    • Request ID Card for Auto Policy
    • Certificate of Insurance
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Add Vehicle to Existing Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Remove Vehicle from Existing Auto Policy
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
    • Request Declaration and Coverages Page for Existing Flood Insurance Coverage
    • File a Claim
  • Claims
    • Reporting A Claim
    • Auto Glass Claim
    • Disaster Restoration Companies
    • Hurricane Preparedness
  • Our Locations
    • Contact Us
    • Charleston Office
    • Mt. Pleasant Office
    • Summerville Office
    • Goose Creek Office
    • Walterboro Office
    • Moncks Corner Office
    • Edisto Office
    • Myrtle Beach Office
    • Beaufort Office
    • Location Map
Home > Blog > Hurricane Preparation/Insurance Review
THURSDAY, JUNE 11, 2015

Hurricane Preparation/Insurance Review

 

It is time to once again for all residents to prepare for hurricane season. A good place to start your preparation is a review your home and auto insurance policies.

 

Most importantly, you need to be sure to keep your auto and home insurance policy numbers handy so you will be able to quickly report your claim after the storm. A good place to keep this information is in your cell phone. Enter the insurance company name, the company’s claim reporting phone number, and your policy number. Also be sure to enter the name of your local agent and his/her phone number. If there is a storm and you have damage, be sure to report the claim directly to the insurance company. Your local agent is happy to help you but may not have phone service.

 

Next, make sure your home is adequately insured. If your home is destroyed by the storm, will your insurance payout be enough to enable you to rebuild the dwelling. Your local agent can help you determine the proper amount of insurance.

 

You should be able to list and describe everything in your home – furniture, clothes, movie collection, jewelry, etc. If the event of a loss to your personal property, the insurance company will ask for a list of all damaged or destroyed property. This is not an easy task! Thus our recommendation is to take a multitude of photos of the interior of your home. Keep the digital photos in your phone and one other place – two sets just in case! Ask a family member not living in the area to keep a set.

 

Know what your policy deductible is in event of a wind or hurricane loss. Most insurance companies are using a percent deductible. Say your home is insured for $300,000 and the policy has a 2% wind deductible. The deductible that applies to your loss will be $6,000. Knowing this ahead of time allows you to keep that amount available and prevents an unwelcome surprise when you receive the claim check from the company.

 

On your auto insurance policy, you should know that storm damage to your vehicle is covered under the comprehensive (other than collision) coverage on your policy.

 

Henry H. Lowndes. Jr.,   CEO
C. T. Lowndes & Company

Posted 4:27 PM

Tags: flood insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by C.T. Lowndes & Company to provide information that may be of interest. C.T. Lowndes & Company is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • flood insurance(38)
  • home insurance(17)
  • car insurance(13)
  • hurricane(11)
  • boat insurance(10)
  • trucking insurance(7)
  • business insurance(6)
  • renters insurance(5)
  • jewelry insurance(4)
  • drone insurance(4)
  • identity theft(3)
  • pet insurance(3)
  • golf cart insurance(2)
  • life insurance(2)
  • ridesharing(2)
  • cyber liability insurance(2)
  • earthquake insurance(2)
  • covid(2)
  • open for business(2)
  • motorcycle insurance(2)
  • stay at home(2)
  • jet ski insurance(2)
  • medicare(1)
  • workers compensation(1)
  • fire insurance(1)
  • health insurance(1)
  • umbrella insurance(1)
  • medicare supplement(1)
  • senior(1)
  • rv insurance(1)
  • lost income(1)
  • commercial auto insurance(1)

View Mobile Version
749 St. Andrews Blvd | Charleston, SC 29407 | 1-800-551-3817
© Copyright. All rights reserved.
Powered by Insurance Website Builder
Facebook Chat Widget by Digital Inspiration