Severe weather serves as a reminder about the importance of homeowners insurance [Video]

NASHVILLE, Tenn. (WTVF) — Last week’s storms served as a big reminder about the importance of homeowners insurance. And it’s important to do a few things before you have to file a claim.

You want to understand your homeowner’s insurance policy and what it covers before you need it. Whether it’s a storm, a flood, or a fire. You should know how to file a claim and get the most out of your insurance coverage.

Safety first. If your damage is catastrophic, start the claim process only when it’s safe and okay for you to be there. Contact your insurer. As soon as possible, document everything. Take plenty of photos and videos. Make a list of what was damaged and needs repair.

If you can’t get to your property, ask your insurer how to proceed to get the process moving. And make sure you are there when the adjuster visits …