I am Michael Isaac with Nationwide Insurance and I have worked in the insurance industry for six years, the last three with Nationwide. My goal is to create an agency clients know is completely committed to their best interest. My promise is to present all the information the client needs to make an informed decision when it comes to their insurance needs. Superior responsiveness and customer service for clients is my highest priority. Nothing says we did a great job like the referral of a friend or family member.
Hurricane season in Texas began June 1st and continues through the end of November. September is a peak month for hurricanes. Although residents of coastal areas are most at risk, tropical storm systems can travel hundreds of miles inland, creating the potential for wind damage and flash flooding throughout the state. So far this year we have not had a severe hurrican, but planning ahead can help you protect yourself, your family, and your property during hurricane season. Below I have insurance recommendation put out by the Department of Insurance:
- Keep an inventory. Fill out TDI’s Home Inventory Checklist (PDF) that you can print or save to a disk and keep somewhere secure. Consider e-mailing it to yourself to ensure you’ll have it wherever you are. Also take photos or videotape of each room and the exterior of your home to keep with your inventory.
- Gather important documents and insurance cards and policies. Unless they are stored in a safe place, take health insurance cards; auto and home insurance policies; and an inventory of your possessions, including receipts and photos or videos.
- Know what your policy covers. Make certain your homeowners or commercial property coverage is still in force and that it provides adequate coverage to pay the full replacement cost of your property. Check your auto policy to see if you have comprehensive coverage “other than collision.” Comprehensive coverage pays if a storm, fire, or flood damages your car. Find out how much coverage you have for “additional living expenses” to cover lodging, food, and other expenses if you’re forced to vacate your residence after suffering a covered loss.
- Know your policy limits. Contact your agent and check the limits of your policies. For homeowners policies, ask about limits for contents and buildings. Your limits may be too low if replacement costs have risen because of new additions, improvements, or inflation.
- Review your health coverage. Find out if you’ll be able to receive non-emergency care from out-of-network providers, if needed, without accruing additional out-of-pocket costs.
- Consider renters insurance if you don’t have it. A landlord’s insurance policy usually covers the house or building, but not the personal property of the building’s tenants. If you rent an apartment, duplex, house, or townhouse, you may need renters insurance to protect your belongings.
- Consider business interruption coverage. Business interruption coverage compensates you for lost income and certain operating expenses if you are forced to vacate your business because of a loss covered in your policy.
- Consider alternative storing methods for company files. Important documents can be scanned and stored in a safe location. Also consider taking photos of office equipment and furniture.
- Consider purchasing flood and wind and hail coverage. You may have to buy separate policies to cover wind, hail, and flood damage. Homeowners, farm and ranch, renters, windstorm, and condominium policies do not cover damage from rising waters. Use the “One-Step Flood Risk Profile” feature on the National Flood Insurance Program (NFIP) website to determine your relative flood risk.
Visit our Nationwide website for more information or give me a call 713.850.7622 and ask for Michael Isaac. I would like the opportunity to provide you with an insurance quote.