Insurance Preparedness for Natural Disasters
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Are you Prepared?
The Maryland Insurance Administration encourages residents to be prepared for natural disasters by reviewing and understanding their insurance coverage and by considering the purchase of flood insurance. Natural disasters happen any time and any place; Maryland is no exception. In the last few years, Marylanders have sustained a significant amount of damage to their homes and personal property as a result of tornadoes, floods and hurricanes. While natural disasters are out of our control, you can take steps to lessen the exposure to these types of losses and ensure that you have the appropriate insurance to cover potential damages.
General Information:
What to do before a loss:
Follow these Pre-Disaster Planning Tips: "What to do to protect your home and finances from damage"
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- Gather copies of your insurance policies and keep them in a secure, dry location.
- Save your insurer’s contact information. You can print an Insurance Information Card so you can keep all your essential insurance data in your wallet.
- Make a home or business inventory. You can do this by photographing or videotaping your belongings so that you have proof of ownership in case they get damaged or destroyed. You can also download the Home Inventory app.
- Secure or store outdoor items like grills, patio furniture and small loose items.
- Prepare your home by putting up hurricane or plywood shutters on all windows, close your garage door and all interior doors, and brace or reinforce your garage door to help prevent significant structural damage.
Watch these videos to learn more.
Preparedness Tips and Resources
Make sure you are prepared, including making sure you have adequate insurance coverage. Below are preparedness tips by season:
Partner Resources:
Stay Informed!
To receive alerts, tips, and resources related to threats and hazards affecting or that may affect Maryland, state officials say to text MdReady to 211-631 or text MdListo for Spanish. You can also click here to view alert resources for your area.
