Via California - May/June 2020 - 41

6
Know what you own.
To assist with insurance claims, create a home
inventory and store it in the cloud. Make your own
spreadsheet or use a dedicated app. At minimum,
walk through your property with your smartphone
and record a video of your belongings, then email
that video to yourself and close relatives.
7. Stay informed. Keep at least
one old-fashioned batterypowered
radio in the house, so
you can follow news reports and
instructions from officials. NOAA
radio stations, which broadcast
weather-related emergency information,
are also good to monitor;
find your local one at weather
.gov/nwr. The Nixle community
warning system can send you text
messages from local agencies.
To sign up, text your zip code to
888777.
8
Make sure you're covered. After
taking inventory, confirm that you
have enough insurance to cover
all of your belongings. Calculate
replacement costs for your most
valuable items, then talk to your
insurance agent to be sure you
have adequate coverage for them.
Government payouts, if any, will
be scanty. Few disasters meet
the threshold to warrant federal
assistance, and even then, it isn't
intended to make you whole. On
average, FEMA offers between
$3,000 and $6,000 in assistance.
Remember that standard
homeowners policies don't cover
quake damage. " Earthquake coverage
is available in the form of
a separate policy or an endorsement
from most private insurers, "
says Gary Russell. " If you're in
a high-risk area, ask your agent. "
AAA | VIA 41
PHOTOGRAPHEE.EU / SHUTTERSTOCK
http://weather.gov/nwr http://weather.gov/nwr http://www.PHOTOGRAPHEE.EU

Via California - May/June 2020

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