ATLANTA (41NBC/WMGT) - In the wake of the devastation in Oklahoma due to severe weather, Georgia Insurance Commissioner Ralph Hudgens wants to remind Georgians to prepare for the upcoming hurricane season by making sure their policies have adequate coverage.
Aside from high winds, hurricanes are causes for flooding, storm surges in coastal areas, and tornadoes, which can all lead to the potential destruction of property and the loss of life.
Commissioner Hudgens suggests homeowners discuss their insurance needs with a reputable insurance agent, and that a policy that is tailored to your particular needs is the best option. He also suggests that renters should consider renter's insurance for personal belongings, as a landlord's policy won't usually cover a tenant's possessions.
As with any severe storm, heavy rain is a strong possibility. Mobile or manufactured homes may include flood damage coverage, but standard home policies won't. Homeowner's who don't have flood insurance can always purchase additional federal coverage to go along with any kind of regular coverage.
Hudgens also urges Georgians to make sure they keep a record of their valuables in case you need to file a claim. A photographic or video recording of your belongings, like furniture and electronics, is also recommended. These records should be kept off-site from your home, such as in a safety deposit box.
Hurricane season is June 1st through November 30th, with September being the month where the strongest storms are likely to form.
Those with questions about homeowners or other types of insurance can call the Department's Consumer Services Division at 404-656-2070, or can use the toll free number 1-800-656-2298. Lines are open from 8am to 6pm.