act as messengers by ôword of mouthö to their fellow agents in the effected areas. The larger companies such as State Farm & Allstate that service claims for the national flood Insurance Program even used satellite imagery to determine damage in some neighborhoods that were entirely flooded. Lessons Learned: Those of us not effected by these disasters can learn a few lessons about coping with future disasters from the thousands of policyholders that are still waiting to get their claims paid. As soon as possible, take steps to prevent further damage to your home if possible: such as covering the roof with a tarp if possible. You can hire a contractor if you can find one, as that would be safer for most of us than climbing on our roofs. Hold off making any repairs until you see or talk to an adjuster first. Plus, keep your receipts, as you'll need them to prove expenses that can be re-imbursed later. What Does Homeowners Insurance Cover? You can generally expect your homeowners insurance to help pay for additional living expenses for up to 12-24 months while your home is being repaired. But, homeowners insurance usually pays only after they verify you have a legitimate claim. After Katrina, many insurers made an exception, automatically distributing enough to cover two weeks' worth of additional living expense to anyone in an area subject to mandatory evacuation. Some companies even gave small advances on contents under the personal property part of their homeowners insurance policies. If you have to wait to get your check, it helps to have cash that is easily accessible in a bank account or money market fund. Stashing cash at home isn't a great idea because if your home burns down and you weren't able to get to your cash, most homeowners insurance policies only cover $100-$200 in cash whether it is stolen or burned up in a fire. Your goal should be to have an emergency fund available to take care of your family for 2-4 weeks (minimum)if possible. In a disaster it might be hard to even find a local bank to get cash. Debit/credit cards with a statewide or national bank would perhaps be better. Your biggest problem in getting your claim handled may be in either not having the proper homeowners insurance coverage or not having enough coverage. Most good homeowners insurance policies today cover up to 120% of your dwelling coverage limit. It is important that you review the dwelling limit with your agent every couple of year's at a minimum. Homeowners insurance
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Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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