Hurricane Moratoriums and Home Prep
Hurricanes and tropical storms produce conditions that can be damaging to homes and vehicles. In times where property damage is imminent, insurance companies may put a moratorium in place. When a moratorium is in place, agents may be unable to write certain policies or update certain coverages. For example, if the weather channel is calling for a hurricane in the coming weeks, companies may not allow agents to write new homeowners or rental policies. Along with this, agents may not be able to change liability coverage to full coverage on auto policies. It is important to be proactive and call an agent early when storm threats are possible or better yet maintain insurance throughout the year and then you will not have to worry about it.
There are a few steps that homeowners can take to protect their home from storm damage. For example, homeowners should have nearby trees and branches cut down. Outdoor furniture and potted plants should be moved inside or tied down to keep them from blowing away. Shutters and plywood should be used to cover glass in the event of high winds or blowing debris. Finally, it is important to clean your gutters and downspouts so that water does not build up around your house.
Also Read: When To Call Your Insurer After Severe Storms