Getting your insurance in line ahead of the storm


Now since we learned that Now since we learned that
hurricane Dorian was going to Now since we learned that
hurricane Dorian was going to
be our Labor Day weekend hurricane Dorian was going to
be our Labor Day weekend
reality we’ve covered be our Labor Day weekend
reality we’ve covered
everything you need to do ahead reality we’ve covered
everything you need to do ahead
of this storm. everything you need to do ahead
of this storm.
>>Caring for an insurance of this storm.
>>Caring for an insurance
claim is not always the first>>Caring for an insurance
claim is not always the first
thing you think about when the claim is not always the first
thing you think about when the
storms on the way, but it’s thing you think about when the
storms on the way, but it’s
actually one of the most storms on the way, but it’s
actually one of the most
important things you should do. actually one of the most
important things you should do.
Paul you’re from Shapira important things you should do.
Paul you’re from Shapira
insurance group joins me now so Paul you’re from Shapira
insurance group joins me now so
basically the things you do insurance group joins me now so
basically the things you do
before the storm and basically the things you do
before the storm and
then after the storm so let’s before the storm and
then after the storm so let’s
talk about before the storm. then after the storm so let’s
talk about before the storm.
One of the things you may want talk about before the storm.
One of the things you may want
to do is document take photos One of the things you may want
to do is document take photos
and inventory. Absolutely. to do is document take photos
and inventory. Absolutely.
>>It’s never been easier these and inventory. Absolutely.
>>It’s never been easier these
days that you take out your>>It’s never been easier these
days that you take out your
cell phone. Use can eat room of days that you take out your
cell phone. Use can eat room of
the House that’s what I cell phone. Use can eat room of
the House that’s what I
recommend to my clients take the House that’s what I
recommend to my clients take
out your cell phone make a recommend to my clients take
out your cell phone make a
video recording of all your out your cell phone make a
video recording of all your
possessions here collectibles video recording of all your
possessions here collectibles
euro even your anything that’s possessions here collectibles
euro even your anything that’s
of value euro even your anything that’s
of value
makes it so much easier it of value
makes it so much easier it
streamlines the claims process makes it so much easier it
streamlines the claims process
makes it a lot easier for your streamlines the claims process
makes it a lot easier for your
adjuster baby document things makes it a lot easier for your
adjuster baby document things
like some serial numbers see adjuster baby document things
like some serial numbers see
contract things when it comes like some serial numbers see
contract things when it comes
time to replacing. Yeah contract things when it comes
time to replacing. Yeah
absolutely to more time to replacing. Yeah
absolutely to more
documentation. The better. absolutely to more
documentation. The better.
knowing what your policy does documentation. The better.
knowing what your policy does
like what your limits are knowing what your policy does
like what your limits are
whether or not you have like what your limits are
whether or not you have
replacement. whether or not you have
replacement.
>>Correct. replacement.
>>Correct.
>>A great idea even before>>Correct.
>>A great idea even before
hurricane season and even now I>>A great idea even before
hurricane season and even now I
mean just just because the hurricane season and even now I
mean just just because the
storm is coming we still have a mean just just because the
storm is coming we still have a
lot of hurricane season left. storm is coming we still have a
lot of hurricane season left.
You want to connect with their lot of hurricane season left.
You want to connect with their
local agent. You want to connect with their
local agent.
Now you want to know what local agent.
Now you want to know what
insurance company or with you Now you want to know what
insurance company or with you
want to know what your policy insurance company or with you
want to know what your policy
number as and you definitely want to know what your policy
number as and you definitely
want to know what the claims number as and you definitely
want to know what the claims
telephone so that you can kick, want to know what the claims
telephone so that you can kick,
you know contact them when it telephone so that you can kick,
you know contact them when it
comes to your insurance. you know contact them when it
comes to your insurance.
There are certain things that comes to your insurance.
There are certain things that
you’re home owners covers when There are certain things that
you’re home owners covers when
it comes to flooding too late you’re home owners covers when
it comes to flooding too late
to get flood insurance if it comes to flooding too late
to get flood insurance if
you’ve got water damage you may to get flood insurance if
you’ve got water damage you may
not be covered. you’ve got water damage you may
not be covered.
Correct one of them one of the not be covered.
Correct one of them one of the
reasons you definitely want to Correct one of them one of the
reasons you definitely want to
connect with your insurance reasons you definitely want to
connect with your insurance
agent is you want to find out connect with your insurance
agent is you want to find out
what’s covered and what’s You agent is you want to find out
what’s covered and what’s You
mention flood. Flood is huge. what’s covered and what’s You
mention flood. Flood is huge.
A lot of my clients say well, mention flood. Flood is huge.
A lot of my clients say well,
I’m not in a flood zone, I’m A lot of my clients say well,
I’m not in a flood zone, I’m
not worried about flood. I’m not in a flood zone, I’m
not worried about flood.
Look at you stun look at what not worried about flood.
Look at you stun look at what
happened with hurricane Sandy Look at you stun look at what
happened with hurricane Sandy
up in New Jersey and New York happened with hurricane Sandy
up in New Jersey and New York
places you never were thought up in New Jersey and New York
places you never were thought
could flood flooded and the places you never were thought
could flood flooded and the
same thing could happen easily could flood flooded and the
same thing could happen easily
here in Florida. Flood is same thing could happen easily
here in Florida. Flood is
normally excluded under a here in Florida. Flood is
normally excluded under a
typical homeowners normally excluded under a
typical homeowners
insurance policy that’s typical homeowners
insurance policy that’s
definitely a conversation you insurance policy that’s
definitely a conversation you
want to have with your local definitely a conversation you
want to have with your local
agent which can get flood want to have with your local
agent which can get flood
insurance now for this agent which can get flood
insurance now for this
hurricane. Also auto and auto insurance now for this
hurricane. Also auto and auto
damage covered and your auto hurricane. Also auto and auto
damage covered and your auto
insurance policy, not your damage covered and your auto
insurance policy, not your
homeowner’s right now after the insurance policy, not your
homeowner’s right now after the
storm important to go ahead and homeowner’s right now after the
storm important to go ahead and
document the damage. storm important to go ahead and
document the damage.
Right you want to if you have document the damage.
Right you want to if you have
damage you want to file the Right you want to if you have
damage you want to file the
claim as soon as possible get damage you want to file the
claim as soon as possible get
those wheels in motion get the claim as soon as possible get
those wheels in motion get the
ball rolling so that your those wheels in motion get the
ball rolling so that your
insurance company and you’re ball rolling so that your
insurance company and you’re
just or can help you out as insurance company and you’re
just or can help you out as
quickly as possible. just or can help you out as
quickly as possible.
You want to document or damage quickly as possible.
You want to document or damage
take photos take videos make You want to document or damage
take photos take videos make
lists of anything. take photos take videos make
lists of anything.
That’s damage. But 1 one big lists of anything.
That’s damage. But 1 one big
thing that your adjuster is That’s damage. But 1 one big
thing that your adjuster is
going to tell you is that. thing that your adjuster is
going to tell you is that.
You want to do everything that going to tell you is that.
You want to do everything that
you can to prevent further loss You want to do everything that
you can to prevent further loss
so if a if you have you know you can to prevent further loss
so if a if you have you know
water if you have leaks you so if a if you have you know
water if you have leaks you
want to do everything you can. To mitigate that do what you To mitigate that do what you
can to prevent further loss is To mitigate that do what you
can to prevent further loss is
it a good idea to get some can to prevent further loss is
it a good idea to get some
repair estimates. Yeah you can it a good idea to get some
repair estimates. Yeah you can
get repair estimates but one repair estimates. Yeah you can
get repair estimates but one
thing that I would warn people get repair estimates but one
thing that I would warn people
about is uh thing that I would warn people
about is uh
right after a storm about is uh
right after a storm
unfortunately there’s a lot of right after a storm
unfortunately there’s a lot of
unscrupulous people out there unfortunately there’s a lot of
unscrupulous people out there
who may take advantage of unscrupulous people out there
who may take advantage of
this situation. So just be who may take advantage of
this situation. So just be
really careful work with your this situation. So just be
really careful work with your
adjuster work with your local really careful work with your
adjuster work with your local
agent. And you can get you can adjuster work with your local
agent. And you can get you can
get but be very agent. And you can get you can
get but be very
on what documents are signing get but be very
on what documents are signing
their on what documents are signing
their
way on waivers. Yeah, they may their
way on waivers. Yeah, they may
ask you to go ahead and way on waivers. Yeah, they may
ask you to go ahead and
have them pay me directly ask you to go ahead and
have them pay me directly
assigned the benefits to me have them pay me directly
assigned the benefits to me
it’s gotten be documentation assigned the benefits to me
it’s gotten be documentation
side right because that that it’s gotten be documentation
side right because that that
basically cut you out you can side right because that that
basically cut you out you can
no longer communicate with your basically cut you out you can
no longer communicate with your
own insurance companies so no longer communicate with your
own insurance companies so
you folks need to be real own insurance companies so
you folks need to be real
careful okay, so you want to you folks need to be real
careful okay, so you want to
make sure that you get the careful okay, so you want to
make sure that you get the
money from the insurance make sure that you get the
money from the insurance
company. And you pay the money from the insurance
company. And you pay the
contractor because company. And you pay the
contractor because
that way if the contractor contractor because
that way if the contractor
doesn’t fulfill their that way if the contractor
doesn’t fulfill their
obligations are complete the doesn’t fulfill their
obligations are complete the
job. You can say well this obligations are complete the
job. You can say well this
isn’t done you’re not getting job. You can say well this
isn’t done you’re not getting
paid told Spanish isn’t done you’re not getting
paid told Spanish
exactly your local agent is paid told Spanish
exactly your local agent is
really working for you. exactly your local agent is
really working for you.
Trust the The you know work really working for you.
Trust the The you know work
with your adjuster Trust the The you know work
with your adjuster
they’ll give you they’ll lead with your adjuster
they’ll give you they’ll lead
you through that process so they’ll give you they’ll lead
you through that process so
it’s important to have an open you through that process so
it’s important to have an open
line of communication with your it’s important to have an open
line of communication with your
adjuster absolutely and if you line of communication with your
adjuster absolutely and if you
have any problems with the adjuster absolutely and if you
have any problems with the
adjuster go back here agent have any problems with the
adjuster go back here agent
to help facilitate things your adjuster go back here agent
to help facilitate things your
agent so it’s going to be your to help facilitate things your
agent so it’s going to be your
point person so. agent so it’s going to be your
point person so.
You know always always point person so.
You know always always
look to your agent has that the You know always always
look to your agent has that the
that local person on the ground look to your agent has that the
that local person on the ground
who can be that intermediary that local person on the ground
who can be that intermediary
and help you out that’s what who can be that intermediary
and help you out that’s what
we’re and help you out that’s what
we’re
there for and you know if if we’re
there for and you know if if
anybody in the community even there for and you know if if
anybody in the community even
if they don’t have their anybody in the community even
if they don’t have their
insurance with us anybody can if they don’t have their
insurance with us anybody can
call us at Shapiro insurance insurance with us anybody can
call us at Shapiro insurance
Group and it will give you call us at Shapiro insurance
Group and it will give you
advice kind of steer you in the Group and it will give you
advice kind of steer you in the
right direction of this of advice kind of steer you in the
right direction of this of
people are more info the right direction of this of
people are more info the
Shapiro insurance group website people are more info the
Shapiro insurance group website
is.

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