shutterstock 718293349

Hurricane Season in Georgia: Do You Have Sufficient Insurance Coverage?

Insurance Commissioner Ralph Hudgens wants to remind Georgians that now is the time for an insurance checkup to be sure you have adequate homeowners, renters, or business coverage in preparation for hurricane season.

“Our coastal residents face the most danger if a tropical storm or hurricane strikes,” Commissioner Hudgens said. “However, even residents who live further inland face the hazards of strong winds, heavy rain, and flooding. To protect your property from the financial impact of destructive storms, homeowners, renters, business or flood insurance policy tailored to your particular needs is your best option.”

Commissioner Hudgens suggested that Georgians discuss their insurance needs with their insurance agent. One important factor to consider is whether you want actual cash value coverage or replacement cost coverage. With actual cash value, you will receive only the current value of an item when you file a claim. In other words, you'll get only "used" prices for your furniture, TV, etc. With replacement cost coverage, your claim amount will be enough to purchase new items.

Once you have adequate insurance coverage, make a list of your covered items, such as furniture, electronics, and other valuables. An electronic record is a good idea. Keep copies of photos in a safe place outside your home, such as a safe deposit box or stored online with a Cloud service. An accurate record of your possessions will be invaluable if you need to file a claim with your insurance company.

Flood insurance is available for up to $250,000 for your home and $500,000 for your business from the National Flood Insurance Program (NFIP). You can purchase NFIP flood insurance directly from any statelicensed property and casualty insurance agent or insurance company. Your insurance agent can confirm whether flood insurance is available to you and what it would cost.

Newest Stories - News

North Georgia Veterans hear stories of valor

North Georgia Veterans hear stories of valor

Knowledge Series to host Booth Museum’s Seth Hopkins

Knowledge Series to host Booth Museum’s Seth Hopkins

Dawson County to purchase new CAD system for E-911

Dawson County to purchase new CAD system for E-911

NW GA unemployment rate falls in November

NW GA unemployment rate falls in November

Blood moon shines over north Georgia

Blood moon shines over north Georgia

Dr. Jimmy Allen memorial service set for Jan. 18 at…

Dr. Jimmy Allen memorial service set for Jan. 18 at Big Canoe Chapel

Open house for Mother’s Morning Out program on Jan. 17

Open house for Mother’s Morning Out program on Jan. 17

Big Canoe photographers featured in Blue Ridge show

Big Canoe photographers featured in Blue Ridge show

Bulk Trash Facility moved to Hubbard Road

Bulk Trash Facility moved to Hubbard Road

Maggie’s House Catio the Cat’s Meow

Maggie’s House Catio the Cat’s Meow

Grief support program to begin in February

Grief support program to begin in February

Saling to present NGV history at Feb 13 meeting

Saling to present NGV history at Feb 13 meeting

Rare piebald deer spotted in Big Canoe

Rare piebald deer spotted in Big Canoe

Baptist leader Jimmy Allen dies

Baptist leader, Big Canoe chaplain Dr. Jimmy Allen dies

Join the party to thank the clubhouse staff

Join the party to thank the clubhouse staff

Advertisement

SmokeSignals Online
11293 Big Canoe
Big Canoe, GA 30143
PH: 706-669-7095

©2019 Big Canoe News