Avoid Costly Setbacks: Insurance and Disaster Preparedness
The Ohio Department of Insurance offers insurance information to ensure that people have adequate financial protections in place to avoid costly setbacks in the event disaster strikes. Consumers should review their insurance and coverage. Typically, damage to a structure and its contents caused by water (not flooding), hail, wind/tornado, lightning, fire, and explosions are covered by a standard property insurance policy after certain policyholder deductible payments are met. Engage an insurance agent to make sure you have adequate coverage amounts.
Protection from earthquake, flooding, sewer back up, and sinkhole damage, among other excluded risks, often require the purchase of additional coverage. Take an inventory of your possessions with photos and their values to help with claim filing.