Your news feed is constantly cluttered with natural disasters – wildfires, hurricanes, and floods seem to have become part of our daily conversations. According to a recent study by the Institute for Economics and Peace, natural disasters on a global scale have increased ten times since the 1960s. We often absorb this information with sorrow for those affected by the disaster, without stopping to think what we would do if our own home were affected. If you open mail for your homeowners insurer and stuff it in a draw or throw it in the garbage, this brief post is intended to help give you some tools to be a more proactive homeowner in the event you do need to file an insurance claim.

In order to adequately protect yourself before any potential loss, you should be intimately familiar with your homeowners policy. Upon receipt, you should set aside time to thoroughly review a complete copy of your homeowners policy. Highlight sections that are concerning to you and contact your agent for answers. Ask yourself questions such as:

  • What is the current value of your home?