Understand your insurance coverage now

HAMPTON ROADS, Va. (WAVY) - With the possibility of a devastating hurricane making landfall right here in our own backyard, we often forget about thinking ahead, to after the storm. We're so busy preparing to get out and making sure everyone's okay, that we forget to consider how we'll pay for impending damage to our homes and property.

Allstate advises that you understand your insurance coverage and prepare for the dangers of a Hurricane, or any major storm. Preparing now can help minimize property damage and protect your family.

Allsate suggests the following:

• Conduct a home inventory recording each of your possessions.It's also helpful to keep track of model numbers and stores where items were purchased. Store your inventory, including photos and videos, in a safe place away from your home.
• Develop an evacuation plan that includes identification of safe areas, escape routes, meeting locations and plans for pets.
• Prepare an Emergency Supply Kit including a three-day supply of water, non-perishable food, radio and batteries, flashlight and first-aid kit.
• Remove any diseased and damaged limbs from trees to keep them from blowing around during a storm and causing property or automobile damage.
• Purchase materials such as 3/4" plywood that can be used to reinforce your windows, doors and garage doors. Install anchors and pre-drill holes for the plywood so you can install them quickly in the event of a storm.
• Install head and foot bolts in doors for extra protection.

Minimize your losses

• Review your home insurance policy and coverage limits with an agent. Know what you are and are not covered for in the event of a hurricane.
• Find out if you have comprehensive auto coverage for damage to your car caused by falling objects or flood.
• Gather important documents such as insurance policies, birth
• certificates and identification. Make sure to place them in a waterproof container.

For more information visit www.allstate.com/catastrophe .