The start of what is forecast to be another is weeks away and the Insurance Information Institute (Triple-I) is recommending , renters and  prepare now. “The U.S.experienced a record-setting hurricane season in 2020 and the early forecasts say 2021 is going to be an active one, too,” said Sean Kevelighan, CEO, Triple-I.“During everyone who lives in a hurricane-prone community should take a few moments to ensure you have adequate financial protection for your property and possessions while also taking steps to make your home or business more resilient to the impacts of wind and water.

History has proven that virtually every community along the Gulf and East Coasts have faced the wrath of what is a hurricane’s catastrophic damage.And now with even more Americans living in harm’s way, it even more critical for consumers and communities to take action.” National Hurricane Preparedness Week starts on Sunday, May 9, and continues through Saturday, May 15.The 2021 Atlantic hurricane season begins on June 1 and ends on Nov.

30.Review Your Insurance CoverageMake sure you have the right type – and amount – of property insurance.The Triple-I recommends you conduct an of your policy(ies) with your insurance professional.“You should ask your insurance professional if you have the right amount of insurance coverage to rebuild or repair your home, to replace its contents, and to cover temporary living expenses if your property is uninhabitable,” Kevelighan said.“You should also ask about flood insurance, which is an additional coverage to a standard homeowners and small business insurance policy.

Nearly 90 percent of natural disasters involve flooding.”The best place to start the insurance review process is by reading the .This one-page information sheet offers details on how much coverage you have, your deductibles and how a claim will be paid.Standard homeowners insurance covers the structure of your house for disasters such as hurricanes and windstorms, along with a host of other disasters.It is important to understand the elements that might affect your insurance payout after a hurricane and adjust your policies accordingly.Flood insurance, which is a separate policy from your property coverage, is offered through  and several private insurers.Protect Your VehiclesComprehensive auto, which is an optional coverage, protects your vehicle against theft and damage caused by an incident other than a collision, including fire, flood, vandalism, hail, falling rocks or trees, and other hazards.

Nearly 80 percent of U.S.drivers opt to purchase comprehensive coverage.Make Sure Your Possessions are Adequately ProtectedImagine the out-of-pocket cost of repurchasing all your furniture, clothing, and other personal possessions after a hurricane.Whether you have homeowners insurance or renters insurance, your policy provides protection against loss or damage due to a hurricane.

will make it easy to see if you are sufficiently insured for either the replacement cost or cash value of the items situated at your residence.When you create a photo or video catalog of your home’s possessions, it will also help expedite the insurance claims process if you sustain damage from a storm.Make Your Property More ResilientInvest in items that will harden your property against wind damage, such as a wind-rated garage door and storm shutters.The Triple-I also recommends you have your roof inspected annually by a licensed and bonded contractor to make sure it will hold up to high winds and torrential rains.Other hurricane season preparation tips from the Triple-I include:  RELATED LINKSFACTS & STATISTICS:Flood InsuranceCONSUMER INFORMATION:Hurricane Season Insurance ChecklistHurricane Season Insurance GuideUnderstanding Your Insurance DeductibleBrochure: Settling Insurance Claims After A DisasterFacts About Flood InsuranceINFOGRAPHICS:What Are Hurricane Deductibles?How to File a Flood Insurance ClaimEXTERNAL RESOURCES:FEMA’s National Flood Insurance Program (NFIP)VIDEOS:Phil Klotzbach, PhD, Discusses 2021 Hurricane Season ForecastHurricane Insurance Guide