© NASA photo
AMHERST – Like preparing your family for an emergency, homeowners should prepare ahead of time for how they are going to respond to damage to their home following a weather emergency like a hurricane.
The process, Archway Insurance Vice President Michael Stack says, begins with making a plan.
“The first thing homeowners should do is talk with their insurance company before it happens. Ask questions and make sure you understand your policy.”
Insurance companies can help owners identify potentials for damage; leaky windows, old shingles and radio antennae are prone to becoming damaged in high winds, so raising concerns goes a long way to understanding what your next steps should be, Stack said.
“And make sure you have the emergency after-hours numbers so you can call and start to get assistance,” Stack said.
Insurance companies offer a variety of packages, matching policies with homeowner needs. That doesn't every package is the same, Stack warns. Some are broader than others and its important for the homeowners to know what type of coverage they have.
“We’re not saying anything different than emergency services. Be prepared. Be prepared with knowledge.” Michael Stack, Archway Insurance Vice President
“There are some limits built into some policies and not in others. Some packages offer cash, others offer replacement. If you lose your roof and it’s halfway through its life, you would get 50 per cent of its cash value, where as if you have a replacement policy, they would replace the entire roof.
Putting barbecues away, bringing in hanging plants and parking cars in garages are also wise steps to protect your home, Stack said,.
“We’re not saying anything different than emergency services. Be prepared. Be prepared with knowledge.”
• Related article: Nova Scotia preps for hurricane season