Agent offers insurance advice ahead of hurricane

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WILMINGTON, NC (WWAY) — While many are preparing to prevent damages from Hurricane Matthew, some are worried home preparation might not be enough.

From flooding to ripped off shingles, or collapsed roofs, agents at Don Bullard’s Insurance in Wilmington have experienced an increased amount of calls from people trying to get insurance last minute.

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Unfortunately if you do not already have flood insurance, it is too late to get it now because it takes 30 days to go into effect. But there are other things you can do to prevent flooding such as laying tarps, sandbagging your doors, and securing your windows.

Agent Chris Stellaccio also recommends documenting any home damage after the storm.

“It’s a good idea to video document everything you have in the home,” Stellaccio said, “because I try to picture if I pulled into my driveway and my house was gone, I would have a really difficult time recounting every last little thing that was in my home and trying to replace it.”



He also suggests contacting a contractor while waiting for an adjuster, that way you can get an estimate on the damage and speed the repair process significantly.

A few other tips from the National Storm Damage Center:

  • Don’t Delay! Most insurance policies limit your time to file a claim
  • You can’t be singled out for a rate increase due to storm damage
  • Insurance restoration contractors advocate for you
  • Always hire the best contractor, not the cheapest
  • Beware of insurance company “approved” contractors
  • Always do your homework and understand your rights