Inside this issue:
- When It Comes to Hurricanes the Best Defense Is a Good Offense - check out our expert advice on protecting yourself and your property
- All Star Intern Spotlight: Meet Aspiring Attorney and Former Intern Extraordinaire, David Hoffman
- A Page from My Playbook: The Importance of Paying It Forward -check out Adam and Manny's visit to a basketball camp in Belle Glade
- Our Dangerously Delicious Hurricane Cocktail Recipe
When It Comes to Hurricanes the Best Defense Is a Good Offense - check out our expert advice on protecting yourself and your property
As Floridians, every year we know we need to brace ourselves for hurricane season. Hopefully we luck out and don’t get hit by any storms, but we all know from past experience that it’s very important to be prepared for the worst while hoping for the best. And since we’ve recently introduced a new practice area to our firm, Homeowner’s Insurance Claims, in this month’s newsletter we want to talk about safeguarding yourself and your home.
There are five simple steps you can take to help keep your loved ones safe, and make sure that in the event your home suffers damage from the storm, you’ll be well covered.
- Stock emergency supplies before the rush. This may seem obvious, but while so many people think about doing this, they never actually do. And then once hurricane warnings start, you find yourself cramming into Home Depot and Target with everyone else when supplies are already low or sold out. Don’t wait. Make a plan and get out there this week. Keep a box in your closet with the following items: canned and dried goods, flashlights, batteries, first aid kits, portable cell phone chargers, and a lot of water, figure one gallon per person, per day.
- Secure your home. This means trimming the trees, and clearing debri and loose objects from your yard. The number one thing that will shatter windows during a storm is items picked up and thrown around by strong winds. If you don’t have hurricane windows or shutters you’ll want to board up your windows.
- Photograph your home inside and out. Make sure you take pictures of both the inside and outside of your home so that if it is damaged during the storm you can show the insurance company that the damage was not present before the storm hit. Most insurance companies cover personal property, so take photos of valuable items. We also suggest emailing these photos to yourself just in case there’s any damage to your phone/camera.
- Secure valuables in a waterproof container. Store all important documents such as insurance papers, passports, IDs, emergency contacts, cash and things of material value in a place where they cannot get wet.
- Form an evacuation plan. Maintain open lines of contact with your neighbors and listen to all instruction from local and state authorities. If told to evacuate, do not wait!
In the unfortunate event that your home is damaged as a result of a hurricane, then you likely will need to make a claim with your insurance company to get funds to repair your home. What you need to know is that:
- Your hurricane deductible will be high,
- The insurance company will be experiencing a high volume of claims,
- The insurance company will want to pay you as little as possible, and
- Your home will not just magically be fixed.
In order to gain the attention and maximum payout entitled to you under your policy – a licensed Florida lawyer can make all the difference. Think of it like a Fastpass at Disney...having a lawyer file your claim will get you to the front of the line A LOT faster! We hope you stay safe this hurricane season, but if you suffer any property damage, definitely give us a call. We’ve got you covered with a free claim review and property inspection.