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Disaster Planning Tips

As McAllen public adjusters, we've witnessed too many preventable insurance nightmares and heartbreaks. Take the time now to take preventative measures and prepare for the next disaster.

  • Check your insurance coverage – Does your current policy still meet your needs? You may need to add or remove coverage. For example, if you sold your expensive art collection, there's no need to continue paying the extra premium for expanded coverage. Likewise, if you've recently purchased an expensive painting, you may need additional coverage since most policies have low limits for fine art.
  • Document your belongings – Use a digital camera to document your possessions. Take photos of the items in their natural settings and snap photos of associated serial and model numbers.
  • Keep important documents in a safe location – Store your home inventory, digital photos, insurance policies, birth certificates, and other important documents in a safe, secure location such as a safe deposit box or online repository.
  • Have a plan for when disaster strikes – Does your family have a plan for a disaster? From planning escape routes in case of fire to evacuation routes in case of floods, think of likely scenarios your family or business could face and plan a reasonable response.
  • Hopefully these efforts will be unnecessary. However, if a disaster does strike, you'll be in a better position to survive it thanks to your preplanning.