The week of May 7th is National Hurricane Preparedness Week. Since we’re a coastal insurance agency, this is a topic near and dear to our hearts. The federal government has some great resources you can use at https://www.weather.gov/wrn/hurricane-preparedness
Of the many tips available we like to stress two: an emergency supply kit and an insurance checkup.
Emergency Supply Kit
An emergency supply kit can literally be a lifesaver. The government has a wonderful resource for putting together a supply kit at https://www.ready.gov/kit
The items you should have in your kit include:
- Water, one gallon of water per person per day for at least three days, for drinking and sanitation
- Food, at least a three-day supply of non-perishable food
- Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
- Flashlight and extra batteries
- First aid kit
- Whistle to signal for help
- Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
- Moist towelettes, garbage bags and plastic ties for personal sanitation
- Wrench or pliers to turn off utilities
- Manual can opener for food
- Local maps
- Cell phone with chargers, inverter or solar charger
Get an Insurance Checkup
After a storm is no time to find out your insurance was inexpensive because your wind/hail deductible is going to wipe out your entire life savings. If your primary home is away from the coast, you may not be familiar with the separate wind/hail deductibles that are a part of life near the beach. It’s not uncommon to see policies with wind/hail deductibles of 5% or more. If your $1 million beach home is blown away in a hurricane, could you afford a $50,000 deductible (or more)?
Contact us and we’ll review your policies and make sure you understand your coverage and that your deductibles in the event of a loss are something your family’s or business’ budget can afford.
About LG Insurance
Founded in 2009 by Aaron Levine, LG Insurance is one of the Jersey Shore's fastest growing insurance agencies. Located in Long Branch Jersey, LG Insurance proudly serves many other local towns throughout Monmouth County including Asbury Park, Eatontown, Little Silver, Middletown, Ocean Township, Red Bank, Rumson, Shrewsbury and all of NJ. We also insure homes and busiensses on Long Island and in the Greater New York City area.
Specializing in personal and business properties in coastal areas, LG Insurance offers a full product line of personal and commercial insurance packages and products as well as a full line of life insurance and supplemental insurance coverages.
