State Farm Insurance Not Making Policy Changes In Light Of Hurricane Florence

If you’re looking to upgrade your homeowners insurance before Hurricane Florence arrives, you may be out of luck.
Agents say people in the Hurricane’s path cannot make changes to existing policies or get new ones. Average homeowner’s policies cover damage from wind, rain or hail.
Agents also tell homeowners to not trust people you don’t know who could ask you to sign a contract to do repair work.
“I’ve seen policy holders get into sticky situations because someone showed up at their door offering to do work,” Tori Dacosta with State Farm Insurance said. “And at that point, depending on what paperwork they sign, we may not be able to get involved.”
Regardless of your policy, State Farm suggests sitting down with your agent so you can understand what your insurance covers.
Helpful Tips
State Farm encourages all residents in the projected path of the storm to protect themselves and their property by following the below tips:
Board up windows or cover them with protective shutters.
Turn off the water, electricity and gas prior to leaving your house if an evacuation order is issued.
Make sure your vehicle(s) have a full tank of gas.
If you plan to leave behind a vehicle, make sure it is protected by garaging it or leaving it on high ground.
Move all garbage cans, awnings and other large outside objects inside or anchor them securely.
Tie up boats securely or if possible, place inside a building.
Are you ready?
A little preparation can make a big difference when it comes to safety and security of your family and pets. Homeowners can protect themselves and their property in advance of the storm with a few simple steps:
Have an evacuation plan. Before the hurricane, decide what you will do. Find out the location of evacuation shelters. Determine if you will ride out the storm in your home (if local authorities permit you to stay), or establish a safe place inland. Plan an escape route. Tell relatives where you will be.
Put together an emergency kit. The kit should include basics such as water, food, first aid supplies, clothing, blankets, and important documents. Store your kit in airtight plastic bags or a plastic storage container with a lid.
Protect your property. Stock plywood and materials you may need to board up windows. Move garbage cans and other large objects inside the house or garage. Secure boats and cars.

Create a home inventory. Make a list of your possessions and their estimated value.Homeowners who experience damage after the storm should consider the following tips:

When it is safe to do so, make temporary repairs to prevent further damage to your home or property.
Save receipts if you purchase items such as tarps, plywood or other supplies to make repairs.
Take photos/videos of damage for claim documentation.
After the storm, State Farm policyholders who have damage may submit a claim through various channels. This includes contacting their State Farm agent, calling 1-800-SFCLAIM, or submitting a claim through our mobile app or through our website at statefarm.com/claims.