With most of Florida "in the cone" and Ernesto a few days out, it's a good idea to begin insurance preparations too. Some general tips: - If evacuating, take copies of your automobile and homeowners policies with you. Be sure to write down the phone numbers for reporting claims - Verify that your mortgagee is listed correctly on your homeowners insurance policy. FL allows insurance companies to make checks for structural damage payable to both the insured and the mortgage company. If your mortgage company is listed incorrectly, the check may have to be reissued - significantly delaying payment. - Keep a camera (preferably digital) in your hurricane preparation kit. If able, you should take photos of damage before making temporary repairs. - Documentation is key - keep receipts for any and all expenses.
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