You should unplug appliances once the power has gone off — this allows you to use them for the maximum amount of time. Plus, it’s often when reconnections are made that many appliances suffer damage.
Get the details. Comprehensive coverage insures your car for hurricane damages less any deductible — but damage to a car isn’t covered if it’s parked near the airport after a notification of a Named Storm and within 72 hours before a storm hits Bermuda.
If the mooring isn’t storm approved, you may be required to take your boat out of the water. Taking it out may also be a good idea if you’re liable for any deductible if the boat suffers storm damage.
If a business can’t operate because of damages to the premises caused by a ‘covered peril’, Argus can cover the financial loss for as long as it takes to return to normal operations.
Building insurance will cover the structure, like the walls, ceiling, cabinetry, and general appliances if they’re listed in the lease, but you’re responsible for the contents. Contents insurance will cover the stuff you depend on, like inventory, supplies, furnishings, and equipment. You may even want to separately insure highly-specialized or expensive gear.
If you’ve made any updates to your business or commercial space, you also need to update your insurance to reflect its current value. Review the amount you’re insured for and make a detailed list of your assets, with photos, to be sure you’ll be fully compensated. Read our article, ‘Underinsurance can mean that you are under-protected’ to learn more.