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With increased hurricane activity expected for the 2008 season, it's time to start preparing. From making sure your house is secure, to revising your home insurance policy limits, it's best to take a pro-active approach to hurricane preparedness.
There's no better time than now to review your homeowner's insurance and make sure your dwelling coverage and replacement coverage is accurate and up-to-date. With the majority of homeowner's underinsured, you don't want to be left on your own to weather the storm.
Experts are saying that warmer winters and water temperatures, combined with wind and weather patters, could make 2008's hurricane season one for the record books. The official start of hurricane season isn't until the summer, but it's never too early to start preparing. The best place to start, is with your homeowner's insurance policy.
Here are some of the best ways to make sure you're prepared:
- Contact a local insurance agent and ask them to perform a replacement cost estimator to ensure that your dwelling coverage is accurate.
- Take a personal property inventory of your home – videotaping and photographing as many personal articles as you can. Keep your personal property inventory in a safe place that could survive the storm.
- Weather-proof your home. From fixing leaks and securing loose materials to installing storm shutters and storm doors, you can never be too prepared.
- Research flood insurance. Flood damage is not covered by a traditional home insurance policy, so be sure to ask your agent about flood insurance.
- Devise a family safety and disaster preparedness plan. Make sure all members of your family are aware of the plan of action and know how to proceed in the event of an evacuation.
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