Practical checklists you can use today. They are general guidance, not a review of your policy.
Annual risk-management checklist
- Review limits and deductibles, in dollars, for every policy
- Confirm your flood decision, and that it is still the one you want
- Update your list of valuables and appraisals
- Photograph or video your home and belongings
- Check that lender and contact information is current
- Review any major purchase, renovation or change in your household
- Know where your policy documents and claim phone numbers are
Hurricane-season checklist
- Know your hurricane deductible in dollars
- Insurers often limit new coverage when a storm is approaching, so decide on flood and other changes early
- Keep digital and paper copies of your policies and our phone number
- Photograph your property before a storm
- After a loss, protect the property from further damage and keep receipts
Business annual review checklist
- Update payroll, revenue, locations and vehicles
- Review contract insurance requirements
- Check certificates for subcontractors
- Review cyber controls and fraud procedures
- Confirm business income and windstorm deductibles
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.