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Maxim Group. Insurance Atlas | September 2009
Outlasting Hurricanes. Hurricane season on the Gulf Coast has officially started, and it's time to prepare for the unexpected. MaximGroup has a put together Hurricane Tips to help protect your business from possible storm damages. Before the Storm *Assess the physical characteristics of the building or office. How can it be made more secure to withstand a large, severe storm? *Identify areas most (and least) vulnerable, to damage from a hurricane (wind, rain, rising water) or other catastrophe. *Determine steps to minimize damage, such as pre-cut plywood sections for windows, sandbags around doorways, applications of fire retardants, equipment removal, etc. *Identify which items of equipment, furniture, records, and supplies could be moved to safer portions of the office, or to off-premises locations. *Consider the need to elevate certain items off the floor if rising water is a serious threat. Procure the equipment needed, such as blocks of wood or concrete. Smaller items can be stored on desks, or in restrooms, which are usually interior, windowless rooms. *Be prepared to secure all files, manuals and records. Tape cabinets and drawers shut. *Cover all equipment, furniture, file cabinets, and storage containers for records with plastic (such as visquine or garbage bags) and tape tightly. *Before leaving, unplug all electrical items. *Copy or duplicate all computer records and store them off site in a secure location. Regularly back up payroll, tax, accounting, production records, customer lists, etc. *Keep hardcopy records of important documents such as insurance policies or lease agreements, in a secure off-site location. *Call your insurance agent to confirm coverage for major perils. *Register with CSR24 service.
After the Storm *Contact your insurance agent as quickly as possible. Let him/her know about your losses, if any. *Make only repairs necessary to prevent further damage to your home or business, including covering breaks in a roof, walls or windows with plywood, canvas or other waterproof material. Do not have permanent repairs made without first consulting your agent. UNAUTHORIZED REPAIRS MAY NOT BE REIMBURSED. Keep all expenditure receipts for damage repair or damage extent estimations. MaximGroup helps your business outlast the roughest storms, just like the Port Isabel, Texas lighthouse. To find out more about MaximGroup, call 281.337.2516. It's more than a plan--it's a promise you can build on. Did you know? If a storm is already in the Gulf of Mexico, no insurance coverage is offered, and there is a 30 day grace period on all new policies. Sadly, many do not realize until it's too late that flood damages are not covered by property insurance. So, don't wait until a hurricane is brewing to think reviewing your insurance policy for coverage details.
2401-B Termini Dickinson, Texas 77539 281.337.2516 phone 281.337.2078 fax maximblue.com Insurance | Benefits | Risk Management | Financial Services
 
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