410-630-1224info@focusonwomenmagazine.com

Maryland Insurance Administration

Prepare for Hurricane Season Now

June 1 marks the start of hurricane season, and now is the time to review your homeowners insurance policy. A natural disaster doesn't have to turn into an insurance disaster. According to the Maryland Insurance Administration it pays to know what your policy covers, and what it excludes, if your property is damaged.

Hurricane forecasters expect an active season this year. Last year 19 named storms formed in the Atlantic Ocean. Don't wait for a major storm to roll through to review your policy. Find out if your policy has special deductibles or limitations associated with this type of storm claim. Now is the time to prepare so you won't be caught off guard should your home be damaged by a storm this hurricane season.

Super Storm Sandy, and Tropical Storm Isabel before her, taught many people that damage from flooding is not covered under most homeowners insurance policies. Flood insurance is available through the National Flood Insurance Program and some private insurers. Generally, there is a 30-day waiting period before new policies take effect. The Federal Emergency Management Agency (FEMA) provides useful information to help homeowners reduce the financial impact of flooding.

During National Hurricane Preparedness Week, which runs May 26 through June 1, Insurance Commissioner Therese M. Goldsmith encourages all Marylanders to read their insurance policies carefully. The Maryland Insurance Administration offers guides and general information about insurance coverage at community outreach events and online. Your insurance agent can help to explain specifically what is covered by your policy and what is not.

Some ways to prepare for disaster include:

  • > Inventory your home. Whenever possible, take photos or videos to support any claim you may need to file later. Smart phone users can download a free home inventory application, myHOME Scr.APP.book, from the National Association of Insurance Commissioners.
  • > Determine if your home is insured to its full replacement cost.
  • > Keep your policy information in a waterproof, fireproof safe or off-site, such as in a safe deposit box, or scan it and save it to a flash drive that you keep in an emergency kit.
  • > Consider purchasing flood insurance. Depending on where you live, coverage can be as low as $129 a year. Visit www.FloodSmart.gov or call 1-888-379-9531 for more information.

For more information on how to prepare for hurricane season, visit the Maryland Insurance Administration's website, www.MdInsurance.state.md.us. Look for the link to Insurance Preparedness for Natural Disasters under Hot Topics. You also can find information on the Maryland Insurance Administration's Facebook page, www.facebook.com/MdInsuranceAdmin.
Featured Articles - Home Page

Better Business Bureau - A rating

FOWM Magazine Issues

May/June - 2019

May/June 2019

May/June Issue

AD Banner right side
Featured Articles
Videos

Women of Note

Mad Mischief - by Susan St JohnMad Mischief - by Susan St John
more


Leon Ives Focus On Women Magazine AwardLeon Ives Focus On Women Magazine Award
more


Browse all Videos and Audios >>

FREE ARTICLES

Sign UP to receive articles. If you like what you see, subscribe!

Flair Radio

Hear publisher Joslyn Wolfe on

KFLAI Flair Radio

as she discusses healthy living issues.
(click on 'Healthy living with Joslyn' in the Blog Talk Radio section)