Hurricane Sandy - Lessons Learned Six Months Later Can Help Consumers Insure Against Future Disasters


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Trinity Insurance Services ( ) is an independent insurance adjusting firm. Our expert teams of independent adjusters and managers are capable of handling all lines of coverage to help our clients settle claims accurately and quickly. Predictions for a severe 2013 hurricane season are a reminder to heed the lessons learned from superstorm Sandy. Visit us today for more information.

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Hurricane Sandy - Lessons Learned Six Months Later Can Help Consumers Insure Against Future Disasters

  1. 1. www.trinityclaims.comHurricane Sandy: Lessons Learned SixMonths Later Can Help Consumers InsureAgainst Future Disasters
  2. 2. www.trinityclaims.comHurricane Sandy: Lessons Learned Six Months Later Can Help ConsumersInsure Against Future Disasters» April 29 marks six months since Sandy, the deadliest and most destructivetropical cyclone of the 2012 Atlantic hurricane season, made landfall nearAtlantic City, New Jersey, causing close to $25 billion in insured losses andmaking it the third costliest hurricane in U.S. insurance history, accordingto the Insurance Information Institute (I.I.I.)..» Predictions for a severe 2013 hurricane season are a reminder to coastalresidents to heed the lessons learned from super storm Sandy: make sureto have to have the right type and amount of insurance.
  3. 3. www.trinityclaims.comThe more prepared you are for a hurricane or other major disaster, thegreater the likelihood you and your loved ones will survive the event bothphysically and financially. As a homeowner, there are four important stepsyou can take now to protect yourself and your property:
  4. 4. www.trinityclaims.comReview Your Insurance CoverageThe time to review your insurance policy is before disaster strikes and youhave to file a claim. Make sure that you have both the right amount andtype of insurance:Amount of insuranceYou should have enough insurance to rebuild your home and replace all of itscontents. Homeowners should find out how much coverage they haveavailable for Additional Living Expenses (ALE). These expenses could includethe cost of a temporary rental home or hotel room, restaurant, meals andany other expenses incurred in the event your home is uninhabitable while itis being repaired or rebuilt due to an insured disaster.Type of insuranceNinety percent of all natural disasters involve some form of flooding. Flooddamage is not covered by standard home insurance policies, but is availablefrom the National Flood Insurance Program and from some private insurancecompanies.»»11
  5. 5. www.trinityclaims.comCreate a Home InventoryA home inventory is a list of all of your personal possessions and theirestimated value. An up-to-date inventory will help you:22• Purchase the right amount of insurance.• Speed up the claims process by substantiating losses.• Provide documentation for tax purposes or disaster assistance.Disaster-proof Your Home33Talk to your insurance professional about ways to keep wind and water outof your home. For instance, you may want to invest in storm shutters andreinforced garage doors.
  6. 6. www.trinityclaims.comHave an Evacuation Plan• Advanced planning is important. Decide ahead of time where you will goand how you will get there, and have more than one option.• Keep checklists that will help you plan ahead to better protect yourself,your family, your home, and even your pets.• If you have pets, contact your veterinarian for a list of boarding kennelsand facilities or ask your local animal shelter if they provide emergencyshelter or foster care for pets. Also identify hotels or motels outside ofyour immediate area that accept pets.44
  7. 7. www.trinityclaims.comPractice your evacuation plan by doing a test run: give yourself just 10minutes to pack up your family, pets and important items and get out—possibly for good. By taking these four steps now, you will have the bestchance of getting your life back in order after a disaster.Visit I.I.I. For more information.
  8. 8. Twitterwww.trinityclaims.com888.370.8484Fax to 800.978.2650EmailFacebook