Summer in Evergreen brings sunshine, longer days and the occasional unpredictable storm. As hurricane season begins, it’s a critical time for individuals and families to review their insurance policies and make sure they’re prepared for any weather-related surprises.
At Horton & Associates, we understand that preparation and the right insurance coverage go hand in hand. Whether you’re a homeowner, driver or small business owner, now is the time to double-check your protection.
Why Summer Storm Prep Matters
The Gulf Coast and surrounding Alabama communities often face severe thunderstorms, high winds and flash flooding during the summer months. These conditions can damage property, vehicles and disrupt business operations. Having comprehensive coverage in place before disaster strikes can make all the difference.
1. Review Your Auto Insurance
Heavy rain and storm debris can increase the risk of accidents and damage to your vehicle. Make sure your auto insurance includes comprehensive coverage, which protects against non-collision damage like flooding and fallen limbs.
2. Understand Your Deductibles
High deductibles can become a financial hurdle after storm damage. Review your policy and consider whether a lower deductible might better suit your current needs and budget. We’re happy to help you walk through your options.
3. Protect Your Business Assets
From physical damage to interrupted operations, storms can be particularly hard on small businesses. If you’re a local business owner, make sure your business insurance includes coverage for property, equipment and loss of income.
4. Inventory and Document Your Belongings
Having an up-to-date inventory of your home or business property, including photos and receipts, makes the claims process faster and easier. Store copies digitally or in a safe, waterproof location.
5. Work With Trusted Carriers
Partnering with reliable insurance providers can give you peace of mind that help will be available when you need it. We proudly work with a range of top-rated companies. Explore our insurance partners here.
6. Know Where to Reach Us
Need to ask questions, update your policy or start a quote? Visit one of our convenient locations or call our Evergreen office directly at (251) 810-0464. Our team is always ready to help you navigate your insurance needs with clarity and care.
Summer is a time for fun, family and outdoor adventures—but it also comes with its share of risks. Taking a few proactive steps now can help you avoid stress and financial strain later. Horton & Associates is here to ensure you’re covered, rain or shine.
