Document Property and Valuables

As an insurance agent working with an MGA, it's essential to remind your clients of the importance of documenting their property and valuables. Suggest they take updated photos and videos of their home and belongings. Encourage them to maintain both digital and physical records, which will simplify the claims process in the event of a disaster.

Review Wind, Hail, and Flood Coverage

Make sure your clients' policies include protection for wind, hail, and flood damage. It's crucial to emphasize that standard homeowners insurance typically doesn't cover flooding, and flood coverage must be purchased separately. Check for necessary endorsements to ensure full hurricane protection.

Explain Deductibles and Limits

Educate your clients on the specifics of hurricane deductibles and their expected out-of-pocket costs. Suggest a thorough review of their policy limits, especially if they have made recent upgrades to their property, ensuring their coverage is adequate to rebuild or replace what’s vital.

Stress the Importance of Reporting Damage

Advise clients that any damage should be reported as soon as it's safe to do so. Provide them with direct claims contact information and walk them through the steps of filing a claim to ensure a smooth and organized experience during what is often a stressful time.

Suggest Preparation for Emergencies

Share resources with your clients, such as local evacuation routes and storm shelter locations. Recommend they build a comprehensive storm kit stocked with essentials—food, water, medication, and flashlights—and that it be easily accessible for quick evacuations.

Recommend an End-of-Year Policy Check-Up

Encourage clients to schedule a year-end review to reassess their coverage needs with you. Let them know that you're available to answer any questions they may have before storm season begins.

Remind clients that hurricane preparedness isn't just about physical readiness—it's about peace of mind. By using this checklist, you can help them weather the storms ahead. Don't hesitate to reach out if you need any assistance or guidance with underwriting.