If you live in an area with a high hurricane, earthquake or flood risk, you likely already have a comprehensive natural disaster or emergency response plan. Part of this plan may include a ready-packed bag with necessary food staples and helpful items like a flashlight or radio. Your family may also know what the designated meeting spot is in the event of a disaster or emergency situation.
While all are crucial components, have you thought of adding in an insurance protection checklist? The National Association of Insurance Commissioners recommends that you also outline an insurance protection checklist within any natural disaster plan.
This checklist includes having an up-to-date home inventory list and accompanying photos and hard and/or electronic copies of your insurance policy. Use a phone to photograph or take a video of all the contents of your home and then store them in an online cloud storage service. This way, you’ll never have to stress over your insurance claims should a natural disaster or emergency situation arise.
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