Oct. 27, 2012
/PRNewswire/ -- Alex Brown, former Senior Counsel to the Maryland Insurance Administration, has prepared valuable tips for home and business owners as Hurricane Sandy barrels towards shore. Insurance companies, professionals and policyholders routinely call on Alex, an insurance attorney and partner with
Silverman, Thompson, Slutkin & White
, to guide them through government investigations and to represent them in administrative litigation. Silverman Thompson Slutkin & White, a firm of thirty top trial and appellate attorneys representing clients in all aspects of civil and criminal litigation in both state and federal courts, is known nationwide for successful litigation of complex and high profile cases.
Alex routinely appears on television and radio to explain insurance policies and issues to consumers and has a wealth of valuable information.
By using the tips and tools listed below for insurance coverage, property protection, home inventory, emergency supply kits and evacuation plans, people will be better prepared for Hurricane Sandy.
Step 1: Review Your Insurance Coverage
Review your insurance coverage so you know what's covered. Here are some questions you may want to discuss with an agent before the storm hits:
Step 2: Protect Your Property In The Best Way You Can
- Is your coverage up to date?
- Do you have coverage for additional living expenses?
- Do you have coverage for floods?
- Do you have enough coverage for your valuables?
- Do you have comprehensive car coverage?
Alex says there's no technology that can thwart the destructive force of a hurricane. But through the right kind of preparation, he says you can reduce the damage it might cause to your property.
Things to Do in Advance of a Storm
Things You Can Do Right Before a Storm
- Assess your property to ensure landscaping and trees do not become wind hazards and remove any diseased or damaged limbs from trees. This will help keep them from blowing around during a storm.
- Pre-select a garage or carport to park your car in or an area of higher ground to move your car to in case of flooding.
- Consider building a safe room in you home to withstand high winds and flying debris.
Step 3. Conduct a Home Inventory
- Secure buildings by closing and boarding up windows. Remove outside antennas.
- Bring all lawn furniture, outdoor Halloween decorations, trash cans, hanging plants and anything else that could be picked up by the wind inside. Anchor objects that cannot be brought inside.
- Move your car to a garage, a carport or an area of higher ground in the case of flooding.
- If you must leave your car outdoors, park as close to a building as possible. Move your car away from trees or poles that may topple onto it.
- Make sure you fill your car's gas tank.
- Get emergency cash.
- Turn your refrigerator to its coldest setting.
Conducting a home inventory is one of the best ways to recover from hurricane damage. It allows you to keep a record of what you own, which will simplify the process of sorting through damaged items should you need to file a claim.