• And if you have coverage, read your policy
• Real property
• Make sure your base coverages (dwelling, other structures) are enough to cover replacement cost
• Supplemental coverages (extended replacement coverage) are available
• Get it
• Have ordinance and law (“code”) insurance
• Additional costs of living (“ALE”)
• Covers cost to rent a like kind dwelling during evacuation
• Expect to be a renter for a while
• For Landlords
• Your coverage should insure loss of rent
• For Commercial owners
• Insure business income
• Insure your business property
• For Personal property
• These are your collectibles