Thousands of California who lost their homes in Los Angeles Fires Last month, it is now grabs with insurance requirements. And with research showing that today extreme time represents a threat By almost half of all American homes, it is important to know exactly how much coverage you have so that when the disaster attacks, you do not leave in ruins.
Indeed, as many as 3 in 4 American owners of houses could be insufficient, news reports for CBS National Consumer Consumer ash-Har Quraishi. This means that more Americans should meet their insurance policies, said Jennifer Gray Thompson, General Manager of the non-profit program after the fire of the United States.
“Well, the first thing you need to do is actually read your policy, and most of us don’t work, and that’s why you’re really encouraging to sit with someone who is an insurance expert) will be able to do it with you”, Thompson Quraishi said.
How much coverage do I need?
Determining how much insurance you have, opposite what you need to renew your home in case of disaster, is relatively awesome. Start recording the amount of dollar your boundary of policy coverage and sharing that square footage of your home or apartment.
The resulting figure should be equal to the average cost of construction per square foot in your area – the dollar amount Quraishi said that you can find online searches for “a square foot-shaped building, along with your postal code.
For those who discover that they do not have the protection of any kind of natural disaster, or after performing mathematics, it is determined that they are not covered enough, the next step should be to achieve the maximum amount of coverage I can get.
“Go to your overcrowding and ask,” Thompson said. “Maximum on your insurance – it costs us a little more every month, but it’s just incredibly important. Some people won’t call because they’re afraid they’re not thrown.”
Make a list of all your stuff
Your home insurance shelves should include possession, also known as content security. To make sure you are completely covered, make a list of all your belongings, along with their estimated value. Update list each year and let your agent know about any great purchases, from jewelry to car.
“Most people don’t even know they have insurance insurance as part of their insurance policy,” Thompson said. “See how much it is.”
When to call Fem
If you find yourself in the middle of the crisis, until you deal with, you can contact the Federal Agency for Emergency Management at 800-621-3362 from 7 to 22 hours of Pacific Time seven days a week a week. The US Having Department for Homeland can also be able to provide assistance and negotiate with your insurance company.
What if you think you’re insufficient?
If you determine after reading your policy and calculate that you are insufficient, but your insurance provider insists that you are fine, Thompson suggests that they enrolled in writing.
“Ask them to actually put it in written – e-mail or something back that you officially said that you are adequately secured,” she said. “You have to have it in writing and in a way you can easily access you.”
For more information on the risks to be in unfinished Upheld.org.
contributed to this report.
2025-02-13 23:04:00
