Prepare your family and financial situation of Hurricane Sandy

It sounds like Hurricane Sandy on the track is a huge storm. I can still do to prepare? And how should I do now if I end up storm damage

Starting from the base. You may already know hoarding food and water, a fully charged cell phones and other electronic products, and make sure your car has a gasoline tank fill. You also need to have a battery-powered radio, flashlight and cell phone case is not dependent on electricity, power was knocked out for a while. If online banking, pay bills, so they do not have now, if a power outage delayed. Check out the to establish a fact table FEMA disaster Xie layer packet on.

Update your home inventory. who has made an insurance claim after severe weather people say, with the latest home inventory is the key. As a result, you can submit claims for losses immediately instead of trying to remember what you lost everything. If you have a smartphone, take a photo or video of all – including the architectural details of your valuables and your home – and email it to yourself, so that you can access it from anywhere. Some insurance companies have applications that can easily maintain your online inventory and documentation requirements. Or you can use the of the Insurance Information Institute of Applied home inventory or the National Association of Insurance Commissioners inventory of applications .

Create EMERGency kit and emergency file. to store cash, insurance policies, your home inventory (if it is on paper), tax records, other important documents, and a portable file that you can take with you if you are evacuated primary contact information. More importantly, the storage key financial records online so they can access wherever you are (hard copy is convenient because the backup if you do not immediately accessible online.)

Protect your Family. pruning shrubs and low-hanging tree branches – some of the largest trees often cause damage during the hurricane, and often not covered by insurance such damage. (SeeOur story: when your tree falls on your neighbor’s yard . ) Clean your leaves and other debris, to enable them to cope with the storm drains, and bring outdoor furnitu again from your yard or other loose items guarantee them so that they do not become a gale bomb. If you have the time and facing a direct hit, get plywood or storm shutters or other items to protect your home. Go to the Federal Emergency Management Agency hurricane preparation page , take a look at our story How to Prepare for Hurricane for more information. Insurance on

Cover your bases. wind damage and wind-driven rain from entering your home is through the walls of the roof, windows, doors or holes is usually caused by homeowners insurance. However, up from under water – for example, from the overflow of water bodies – is not covered (for this, you need a separate flood insurance). It’s too late to buy before next week’s storm a flood policy, but you can still be changed to destroy your homeowners insurance policy to other types of storms – such as sewage backup, after sewer overflow or sump pump stops during rainstorms work, which is common. See our story protect your home and finance flood about flood insurance, sewage backup, you may qualify, if you have a flood, but no flood coverage details other assistance.

There is a vacuum and communication plan ready. to find out where to go now, if you were ordered to evacuate. Local emergency management office can let you know the command to evacuate, disaster assistance centers and local storm reports. You can also from the US Federal Emergency Management Agency let disaster updates. FEMA’s emergency preparedness website has a lot of useful resources, and a hurricane safety tips and Hurricane Sandy updates now.

If you are evacuated, ask a family member or friend in another field, let others know your whereabouts and status. Under contact information for insurance companies and agents, convenient and the files you need from a distance requirements. Room and board and keep the receipt, by your insurance company, even if you do not end up hurt reimbursement. View the Insurance Information Institute

Prepare an effective.The withdrawal for more information In the case, your home is damaged prepared. to find an insurance company proposals process claims. Now some insurance companies have applications that can easily be harmed images and files, reporting requirements and home inventory sent directly to the insurance company. Many insurance companies have the right to send requests for the phone to the disaster area, so that you can make a claim and ask questions in person. See How to make the insurance company to pay claims relating to claims and more information eight steps to help your hurricane claims paid quickly . Also, check out let your insurance company to pay opinions from victims of Hurricane Katrina.