Lightening the Load: How to Mitigate Your Exposure to Disasters

Wildfires, hurricanes, flooding, tornadoes – disasters of all kinds strike everywhere in the U.S. That’s why it is so important to make sure your insurance needs are in order, especially when it comes to your homeowners’ or renter’s policies. How much and what types of insurance you need are decisions best left between you and your agent, but there are other issues related to the mitigation of disasters that you can take care of yourself. This article will outline some of those steps.

Be Prepared

It’s been a motto of the Boy Scouts from the beginning more than 100 years ago, but it bears repeating in practically every area of life. The best way to prepare for the occurrence of a disaster is to have a plan for when it happens. Start with an inventory of your home. Once it is complete, store it away in a safe place, preferably somewhere that is away from your home. Be sure to include information such as the make, model, serial number, purchase price, and the date of purchase for each item. If possible, attach copies of receipts for major purchases with your inventory.  If you have possessions such as jewelry and art, get these appraised to insure them. This is one of the most important steps you can take to ensure your financial future, since an inventory can tell you exactly what was in your home when the disaster occurred.   

Other things you will want to have with your disaster preparation checklist include:

  1. An updated home inventory, include photos, appraisals and receipts of any new purchases and stored copies of it in a safe, remote location?
  2. Copies of your insurance policy with contact information for your insurance agent and company with your inventory?
  3. Whether your insurance policy includes replacement cost or the actual cash value (ACV) for losses?
  4. Whether you need a separate flood insurance policy?
  5. Talk with your agent to make sure you have neither too much or too little homeowners or renter’s insurance

Be prepared, before and after a disaster. Laws vary from state to state. Be sure to check the laws and discuss them with a representative of the Ty Lawrence Insurance Agency.


Car Tools That Might Save Your Life

You know the importance of having a spare tire and the necessary equipment on hand to change it in the event of a flat. However, this is not the only tool you should have. In fact, there are many tools, most of which are inexpensive, capable of saving your life. So, whether you’re driving around Austin, TX or heading out on a road trip, make sure to have these tools at all times. 

Life Hammer

This tool goes by many names. It looks like an oversized bottle opener. It is important though because it can break a window with slight pressure. If you are trapped in your vehicle and the window won’t open (one of the downsides to having electric windows), this tool helps you break free. The Ty Lawrence Insurance Agency recommends including this in the glove box or within arms reach of the driver’s seat. 

Speed Charger

Don’t ditch the jumper cables, but toss a Speed Charger in next to it. While Austin is a very populated area, if you venture out on a road trip and your battery dies, you might find yourself in the middle of nowhere, without any other cars or cell phone signal. The speed charger comes with a battery charge, so you can pop the trunk and charge your own battery. You do need to recharge the equipment once a month or so, but it can be a life savor, especially in extremely hot or cold conditions. 

Roadside Kit

Pick up a kit with flares, warning signs and other gear. If you are stuck on the side of the road in the middle of the night, you need to let other drivers know you are there. The flares and other signs can help notify other drivers. 

Call the insurance professionals with Ty Lawrence Insurance Agency today to get an auto insurance review or quote.