Make sure your policy limits accurately reflect what it would cost to rebuild or replace your home or business property today. Inflation and supply chain issues can increase costs significantly.

Many standard policies do not include flood or windstorm damage. If you're in a flood-prone area or coastal region, consider adding specialized coverage or endorsements. Review whether you need sewer or drain backup coverage too.

Storm claims often trigger separate deductibles that are higher than your regular policy. Know what you’re responsible for out of pocket before you file a claim.

For homeowners, this means photographing major appliances, electronics, furniture, and valuables. For businesses, include inventory, equipment, and office contents. Digital records are easy to store securely.

Power outages, flooding, and wind damage can halt operations. Evaluate your business interruption insurance and create a continuity plan that accounts for remote work, alternate locations, or delayed service delivery.

Don’t wait until a disaster strikes to figure out how to file a claim. Understand the steps, documents required, and timelines. Having your agent’s contact info easily accessible can help you act quickly.

Preparing now means fewer surprises later. Reach out to Gaudette Insurance for help reviewing your storm season coverage and making sure you’re protected from all angles.