UP has been in the news lately working hard to help Americans focus on the dry but important topic of properly insuring assets.  
 
Victims of devastating hurricanes and wildfires in Puerto Rico, Florida, Texas and California are getting a second shock of having to scramble to find funds to cover losses their home insurance won't cover.
 
Summing UP: 

Find your policy's Declarations Page and check your benefits in each category.
  • Do you have enough coverage to rebuild your home, per square foot of living space? Take into consideration construction costs in your region.
  • Do you have coverage for:
    • Flooding, high winds, earthquakes, mold
    • Building Code Upgrades/Compliance
    • Sewer and Drain Backup
    • Extended Replacement Cost in the event of a total loss
    • Replacement Cost coverage
    • Enough coverage to cover temporary rent for up to 2 years     
The above list are just some of the coverages that make a BIG difference during claim time.  Use our Insurance Check UP and call your insurance agent, get answers, make adjustments, take good notes on the conversations and keep them in a safe place.  
 
Remember, the max grant you can get from FEMA is $34,000, and charitable aid rarely covers rebuilding a home.  If money is tight, raise your deductible and reduce non-essentials such as Contents and Other Structures coverage.