What You Need to Know
If Power is Lost
Check to see if your neighbors have power. If they are also without service, call your local power company.
- In advance, provide your power company with a list of all life support equipment required by family members. Develop a contingency plan that includes an alternate power source for the equipment or relocating the person.
- In cold weather, drain pumps, supply lines, water heaters and boilers. These can freeze when the power is lost. So can traps in drains of tubs, sinks, commodes, washing machines and dishwashers. In order to avoid burst pipes, close the main water valve and open the spigots and supply lines and drain them.
- Turn off major appliances. They could overload electric lines when power is restored, causing a second outage.
- Use a flashlight or battery operated lantern. Do not use candles for emergency lighting. Candles and kerosene lanterns are fire hazards.
- Use portable generators cautiously. Make sure they are outside in a well-ventilated area. Always follow manufactures recommendations for operations and refueling.
Inventory Home Possessions
Make a visual or written record of your possessions to help you claim losses in the event of damage. Include photographs of cars, boats and recreational vehicles. Get professional appraisals of jewelry, collectibles, artwork or other items that may be difficult to evaluate. Also, photograph the exterior of your home. Include the landscaping that may not be insurable, but does increase the value of your property for tax purposes. Make copies of receipts and cancelled checks for valuable items.
Check to see if you have adequate coverage. Be sure to read and completely understand your policy. If you have questions regarding insurance or your policy contact your insurance agent.