News Center > Disaster Preparedness Month 2013

September 3, 2013

Vivian D. Laxton, 410-468-2007
Director, Public Affairs

During Disaster Preparedness Month, Ask Yourself: Are You Ready?

Don’t be caught off guard by your insurance coverage the next time a severe storm or hurricane hits. For Disaster Preparedness Month in September, Insurance Commissioner Therese M. Goldsmith encourages all Marylanders to read their insurance policies carefully.

In addition to carefully reviewing your insurance policies, some other ways to prepare for disaster include:

  • Inventory your home. Whenever possible, take photos or videos to support any claim you may need to file later. Smartphone users can download a free home inventory application, myHOME, from the National Association of Insurance Commissioners.
  • Determine if you home is insured to its full replacement cost.
  • Keep your policy information in a waterproof, fireproof safe or off-site, such as in a safe deposit box, or scan it and save it to a flash drive that you keep in an emergency kit.
  • Consider purchasing flood insurance. Coverage is as low as $129 a year. Visit or call 1-888-379-9531 to learn more.
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After Super Storm Sandy last October, some homeowners learned too late that flooding was not covered under their homeowners insurance policies. Following Hurricane Irene in 2011, some policyholders learned about special deductibles that can apply after major storms, sometimes adding thousands of dollars to the policyholder’s share of repair costs.  

The Maryland Insurance Administration offers guides and general information about insurance coverage at community outreach events and online. Your insurance agent or insurance company can help to explain specifically what is covered by your policy and what is not.

For more information and videos on how to prepare for hurricane season, visit the Maryland Insurance Administration’s information on Insurance Preparedness for Natural Disasters.

About the Maryland Insurance Administration
The Maryland Insurance Administration (MIA) is an independent State agency charged with regulating Maryland’s $26 billion insurance industry. For more information about the MIA, visit  Find us on Facebook or follow @MD_Insurance on Twitter.

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