Tuesday, June 23, 2015

Agencies and organizations serving Connecticut have been dispatching loads valuable consumer advice in recent weeks. Most of that information is not Connecticut-centric, however, and has universal or regional value whether you live in the Nutmeg State, the 'Show Me' State, the Centennial State, the Sunshine State, or the Golden State.

The Professional Insurance Agents of Connecticut (PIACT) blew out a release reminding homeowners that hurricane season is in effect through November 30. According to PIACT, the Tropical Meteorology Project from Colorado State University predicts that the 2015 Atlantic basin hurricane season will be one of the least active seasons since the mid-20th century.

Nonetheless, PIACT President Teri Walsh believes it is still important to review homeowner's insurance coverage to determine if you have adequate protection for wind and flood damage associated with hurricanes.

Walsh says typically, there is a 30-day waiting period between the time the flood insurance is purchased and the time the coverage goes into effect, although that waiting period may be waived for lender required flood insurance.

PIACT offers these tips to help protect your home and property:
 

• Videotape the contents of your home. Put the video in a safe place. It could prove invaluable should a disaster of any kind occur.
• Cover doors and windows (for example, install shutter coverings).
• Check for and repair any loose roof shingles or tiles.
• Anchor or remove any unsecured outside objects.
• Secure roof trusses.
• Make arrangements for pets.
• Keep an emergency kit handy as well as food and water, a portable can opener, clothing, blankets, flashlights, extra batteries, first-aid supplies, cell phone and a battery operated radio in case you are left without electricity.

PIACT also suggests these steps to take after a hurricane:

• Check on neighbors to see if they're okay.
• Treat the injuries you can with the first-aid kit.
• Don't touch downed power lines or nearby trees.
• Alert your insurance agent or company. Read your policy and follow the claims procedures.
• Photograph damages.
• Protect property by making temporary repairs.
• Keep receipts of repairs and supplies.
• Compile a list of damaged items.
• Don't discard anything before the adjuster arrives.

Property owners can also access a wealth of information, no matter where you reside, at ready.gov/hurricanes.

RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com