Today we look at part 2 of our story on how to make sure you are covered for loss should a hurricane come to our area.

If your property is damaged by a hurricane, contact your insurance agent or insurance company as soon as possible. To protect your property from any further damage, make necessary emergency repairs. Document all damage to your property and include photographs, notes and repair-related receipts.

The Bureau also encourages policyholders to consider the following:

• Does your homeowners policy contain a special deductible for wind or hurricane losses? These deductibles are applied separately from any other deductible on a homeowners policy and may be written as a flat amount, such as $1,000, or applied to a loss as a percentage of the insurance coverage on the dwelling.

• Does your homeowners policy provide coverage for such things as sewer backup? Most homeowners policies do not provide coverage for sewer backup, but policyholders may purchase additional coverage for this.

• Are vehicles covered in the event of a hurricane or windstorm? If you have otherthan-collision coverage (often referred to as “comprehensive”) for your vehicle under your automobile policy, your vehicles generally will be covered for flood and wind damage.

The Bureau of Insurance has specially trained staff who can assist consumers with their insurance-related questions and concerns. To learn more, contact the Bureau of Insurance Property and Casualty Division toll-free at 1-877-310-6560 or in Richmond at (804) 371-9185. The Bureau also offers free consumer guides for homeowners and commercial property owners with information about what to do when a disaster strikes. These are available on the new disaster readiness section of its website at https://www.scc.virginia.gov/boi/disaster.aspx. For additional emergency preparedness information relating to hurricanes and other types of disasters, visit the Virginia Department of Emergency Management website at www.vaemergency.gov/.

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