No one likes to think of a disaster striking their home, but it always helps to be prepared. By taking care of certain things now, you will be better prepared should you ever experience a loss and need to file a claim. This will simplify the insurance process during a time of loss so you can receive needed compensation sooner.


It’s always best to work with an independent agent who you trust. An independent agent can provide a thorough review of your property and help you determine your financial risk. They will shop the best coverage to fit your specific needs. This will ensure that you have an appropriate level of coverage for the type of risk you face.


All property owners should routinely check their property for signs of disrepair. Address maintenance and repair issues as they come up. Your insurance policy won’t provide coverage for issues that existed prior to the loss. Home insurance is meant to reimburse storm damage and other similar disasters — not damage resulting from neglect.


Even if you don’t think a lot has changed, it’s a good idea to review your insurance policy on a yearly basis. This offers a chance to make sure you have adequate coverage against loss. If you don’t understand something you see in your policy, ask your agent about it. Pike Mutual offers training to our agents each year so they can answer any questions you might have about our policies.

By taking care of these basic tasks, you’ll be better prepared if you experience a loss. In many instances, these steps will help you save money and avoid other issues with your property. Being proactive always pays off in the long run.