A good homeowner’s (or renter’s) insurance policy is critical in order to recover from a hurricane.

Discuss the following with your insurance representative:

• Valuation of land and structure. Ask about deductible and exclusion policies.
• Valuation of home contents. Prepare a complete home inventory. Take photos or videotape wherever possible. Store the information at the office or in a safe-deposit box.
• Ask if your policy covers the value (replacement cost, less depreciation) or replacement costs.
• Is it worth picking up insurance riders on special items?
• Do you need flood insurance?
• Do you require a windstorm insurance policy?