HONOLULU (KHON2) — State officials are urging residents to make sure their insurance policies are up-to-date and cover your property properly amid the ongoing Kona storm.
With the storm bringing heavy rain and flooding to the islands, the Hawaiʻi Department of Commerce and Consumer Affairs Insurance Division said that residents need to make sure that they have proper coverage.
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To do so, the state said to review your insurance policies thoroughly so you understand what is covered and what is not. Officials also said to keep copies of property, flood and auto insurance policies in a safe, waterproof container or digital storage.
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Keeping track of these important documents and the fine print of your policy can help streamline the claims process should you need to file, making a complicated process a little more bearable.
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Additionally, state officials said to keep a home inventory before the storm gets too strong. Residents can do this by taking pictures and videos of every room and documenting the contents of your home, such as furniture, appliance, electronics and other valuables.
For high-value items, it is best to make sure you have serial numbers, receipts or some kind of record about the item.
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Flood damage is also typically not covered in standard homeowners and renters insurance — instead, it is available separately through the National Flood Insurance Program…