Consumer Advisory for Storm Preparedness

This guide is designed to help New Hampshire consumers understand the importance of storm preparedness and the role insurance plays in mitigating potential losses. It will provide valuable information on selecting the right insurance coverage, understanding policy inclusions and exclusions, preparing a home inventory, and creating a family emergency plan.

Understanding Storm Risks in New Hampshire

New Hampshire can be susceptible to various weather hazards throughout the year. The state faces an increased risk of:

• Floods due to heavy rains, rapid snowmelt, or ice jams in rivers and streams.
• Hurricanes, which, though less common, can still have a significant impact on coastal areas.
• Blizzards and heavy snowfall during the winter months, leading to property damage and transportation disruptions.
• Fires caused by lightning strikes or other accidental factors.

Being aware of these risks is the first step in preparing for potential storm-related emergencies.

Acquire Proper Insurance Coverage

One of the first steps in storm preparedness is securing appropriate insurance coverage. Ensure that your insurance policies adequately protect you against potential damages caused by storms. These may include:

• Homeowners Insurance: This policy typically covers damages to your property caused by wind, hail, fire, and other perils. Verify that your policy offers sufficient coverage for structural damage, personal belongings, and additional living expenses in case you need to temporarily relocate.
• Flood Insurance: Standard homeowner's insurance does not cover flood-related damages. Given the flood-prone nature of New Hampshire, consider purchasing a separate flood insurance policy to safeguard your home and possessions against rising waters.
• Renters Insurance: If you are renting a property, your landlord's insurance will likely only cover the structure. Renters insurance can protect your personal belongings in case of storm damage or other covered events.
• Umbrella Insurance: This type of policy provides additional coverage beyond the limits of your homeowners or auto insurance, offering broader protection in the event of a severe storm-related accident.
• Additional Riders: Depending on your location and unique circumstances, you might need additional riders to protect against specific risks like sewer backup. Carefully review your policy to determine what your policy does and does not cover.

Understand Inclusions and Exclusions

Before purchasing insurance, carefully read and understand the terms and conditions, including what is covered (inclusions) and what is not covered (exclusions). Pay particular attention to deductibles, policy limits, and any additional riders that may be required for specific storm-related risks.

It's advisable to speak with a licensed insurance agent to discuss your needs and ensure you have adequate coverage for your property and possessions. Before a storm strikes, take the time to thoroughly review your insurance policies. Familiarize yourself with the inclusions and exclusions to avoid any surprises during the claims process.
If you have any questions or concerns about your coverage, do not hesitate to contact your insurance agent or the New Hampshire Insurance Department’s Consumer Services division for guidance.

Create a Home Inventory

Creating a comprehensive home inventory is a crucial step in preparing for storm-related damage or any other unforeseen incident. Document all your possessions, including furniture, electronics, appliances, clothing, and other valuable items. Keep records of their purchase dates, receipts, and serial numbers, if possible. Store this inventory in a safe location or use digital tools to keep it accessible during emergencies. This will expedite the claims process and ensure you receive fair compensation for your losses.

The benefits of a home inventory include:

• Insurance Claims: After a storm, you can accurately report the damaged or lost items to your insurance company, making the claims process smoother and faster.
• Insurance Coverage Review: A home inventory helps you assess whether your current insurance coverage is adequate for your possessions.

How to Create a Home Inventory:

• Room-by-Room Approach: Start by going through each room in your house and listing all the items of value. Include a description, estimated value, and any relevant details.
• Document Items: Take clear photographs or record videos of each item, especially high-value belongings, and store these files in a secure location or cloud storage.
• Keep Records Safe: Store your home inventory and supporting documentation in a fireproof safe and at an off-site location, like a safety deposit box.

Develop a Family Emergency Plan

Prepare your family for potential storm-related emergencies by developing a comprehensive emergency plan. Discuss evacuation routes, designate meeting points, and establish communication methods in case you are separated. Ensure that all family members are familiar with emergency contacts and essential information, such as medical records and insurance policy details. Include contact information for local authorities, emergency services, and out-of-state relatives.

Assemble an Emergency Kit

Put together an emergency kit that includes essential supplies such as non-perishable food, water, first aid supplies, flashlights, batteries, and a battery-operated radio. Keep the kit easily accessible in case you need to evacuate quickly.
Being proactive and prepared is essential to protect your home and family against New Hampshire's storms. Obtain proper insurance coverage, understand policy inclusions and exclusions, create a comprehensive home inventory, and establish a family emergency plan. By taking these proactive steps and being well-prepared, you can enhance your resilience to storms and minimize potential damages to your property and loved ones.
Remember to review your insurance policies regularly, update your home inventory as needed, and practice your family emergency plan to stay well-prepared. For any insurance-related questions or concerns, contact the New Hampshire Insurance Department for assistance.