Preparations Urged in Lexington Ahead of Incoming Storms

Lexington, Ky. – With severe storms forecasted to impact the area, residents are being urged to take proactive measures to protect their property and understand their insurance coverage.

As the weather changes, residents should focus on safeguarding outdoor items and assessing their insurance deductibles. Kenneth Turner, Agency Manager at Asshield Insurance, emphasized the importance of knowing one’s deductible before filing any claims. “Let’s say for example, you get into an accident. This could be for auto or your home, a tree falls on your home, or your neighbor’s property hits your house, whatever happens you’re in a claims situation. You want to make sure the claim far exceeds your deductible,” he explained.

Turner highlighted a specific example: if an individual has a $1,000 deductible, they should avoid filing claims for amounts that only marginally exceed that threshold. “Because they’re going to increase your rate for the next five years. That’s a three hundred dollar difference every year,” he noted. Ultimately, making a claim for only $1,200 could lead to a payout of just $200 after increased premium costs, which makes it an unwise decision.

In addition to insurance considerations, driving during a storm, particularly in rush hour or flooded areas, is highly discouraged. Insurance companies often document such behaviors, which can influence future claims.

Gerard Hammink from FEMA has additional recommendations for residents. He advises taking photos of properties in their current state. “If you were unfortunate to have damages or losses, then you just know what you had before,” Hammink stated. This documentation can significantly aid both insurance claims and any potential dealings with FEMA if damages occur.

After storms pass, Hammink recommends residents take immediate action: “Take pictures, call your insurance company, then you can begin any cleanup.” This process ensures that all damages are recorded and claims can be handled swiftly.

Safety is also a priority during storm preparation. Hammink reminds residents that if they are utilizing gasoline-powered generators, these should be placed at least 20 feet away from homes and not stored inside garages or living spaces to prevent carbon monoxide poisoning.

As Lexington braces for the storm, focusing on these essential preparations can help residents safeguard their property and streamline the insurance process should damages occur.