Agents and associates needing IT assistance should call the AmeriLife IT Department at 727-216-7000. As a reminder, IT support will not be available if the home office is closed.
BASIC HURRICANE EMERGENCY KIT
The Federal Emergency Management Agency (FEMA) recommends people should have these basic supplies on hand. Store them in an easy-to-carry emergency kit that can be used at home or taken with you in the event of an evacuation.
- Water: one gallon per person, per day (3-day supply for evacuation, 2-week supply for home).
- Food: non-perishable, easy-to-prepare items (3-day supply for evacuation, 2-week supply for home).
- Battery-powered or hand-crank radio (NOAA Weather Radio, if possible).
- Extra batteries.
- First aid kit.
- Medications (7-day supply) and medical items.
- Multi-purpose tool, like a Swiss Army knife.
- Sanitation and personal hygiene items.
- Copies of personal documents (medication list and pertinent medical information, proof of address, deed/lease to home, passports, birth certificates, insurance policies).
- Cell phone with charger.
- Family and emergency contact information.
- Extra cash (ATMs might be inoperable).
- Extra fuel for generator and car.
Be safe, listen to weather reports to be prepared and follow any instructions that local emergency officials give you. Click here for more information from FEMA on emergency preparedness.
POST-HURRICANE EMERGENCY RESPONSE RESOURCES:
In the event of storm damage, there are a variety of resources available to help support you and your family. Below are some of the resources available:
The Federal Emergency Management Agency (FEMA) can assist with your after-the-storm recovery. FEMA’s Recovery Resources website page provides links to information about how to cope with disaster, including:
- Protecting your pets
- Types of assistance available following a disaster
- Locating missing family and friends
- Reopening your business or farm after a disaster
- Removing mold and mildew from your home
- Finding a place to stay
- Identifying community resources to help you recover
- Applying for disaster assistance in your area
The American Red Cross helps disaster victims by providing safe shelter, hot meals, essential relief supplies, emotional support, and first aid and health services. It also can assist in finding an open shelter should you need one following a disaster, registering for or searching the Safe and Well listings, and accessing its disaster recovery guides.
The Federal Alliance for Safe Homes (FLASH) is a nonprofit and leading consumer advocate for strengthening homes and safeguarding families from natural and manmade disasters. Its website offers ways to prepare your home for a hurricane in one day, one hour or one weekend. It also offers advice about what to do after a storm.
Additional Living Expense Coverage
Some Homeowners policies provide additional living expense (ALE) coverage, which helps pay for expenses incurred because your home has been deemed unlivable due to a covered loss. ALE provides coverage for the increase in costs over your normal expenses if a covered loss makes your home unlivable. This can include expenses for food, a place to live or other costs associated with maintaining your household.
Accurate receipt documentation is required. Make copies of these receipts for your records and provide the originals to your adjuster for review.
ALE coverage is limited and varies by policy type. Your adjuster can provide details about coverage. Check with your agent for more information about ALE coverage.
Important policy contract changes may effect payment for emergency measures and permanent repairs following a loss. All new and renewing HO-3, HO-6 and DP-3 policies are affected.
Once your home is secure, don’t start any repairs until you call your agent or insurance Carrier. Before starting emergency repairs, document all damages by photo or video. Keep any damaged items for inspection by the insurance carrier and save all receipts in case you are eligible for reimbursement.
Don’t Sign Away Your Rights
Some contractors will ask you to sign your benefits over to them before starting emergency repairs. This is called an assignment of benefits. Do not sign over your insurance benefits to anyone. Signing over your benefits can cause an increase in costs for which you could be left on the hook
Do not sign an Assignment of Benefits form if asked to do so by a contractor or public adjuster without calling your insurance carrier first.
Red Cross www.redcross.org
Salvation Army https://www.salvationarmyusa.org/usn/
National Weather Service www.weather.gov
The Weather Channel https://weather.com
Federal Emergency Management Agency www.fema.gov
Most state and counties have emergency management services that you can access for additional information and local resources
Clicking third-party links will open a new tab and will take you away from AmeriLife.com. AmeriLife does not control the linked sites’ content or link.