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Insurance readiness checklist for high-risk zones
Use this checklist to review coverage, documentation, and mitigation before the next storm.
Coverage to review now
High-risk zones require specific riders and deductibles. Review before storm season, not after.
- Flood coverage limits and waiting periods.
- Wind or hurricane deductibles and exclusions.
- Replacement cost vs actual cash value.
- Contents coverage for high-value items.
Deductibles and waiting periods
Hurricane deductibles are often a percentage of insured value, not a flat dollar amount.
Flood policies may include waiting periods, so last-minute changes can leave you uncovered.
Documentation that speeds claims
Claim speed often depends on the quality of pre-storm documentation.
- Current photos and videos of exterior and interior.
- Receipts for major upgrades or repairs.
- Digital inventory of valuables.
- Saved copies of policy declarations and endorsements.
How to use your risk score
Use your hazard breakdown to ask carriers about coverage gaps and pricing sensitivity.
Comparing scores across nearby neighborhoods can help explain premium differences.
Post-storm claim workflow
Document damage before temporary repairs, then notify your carrier promptly.
Track all expenses, including temporary lodging, cleanup, and emergency repairs.
Key takeaways
- - Review deductibles and riders before storm season.
- - Documentation speeds claims and payouts.
- - Mitigation upgrades can reduce premiums.
- - Risk scores help explain coverage gaps and pricing.