Tracking Sandy

Residents asked to review insurance policies in advance of Sandy

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As Hurricane Sandy inches ever so close to the East Coast of the United States, insurance officials are asking residents to prepare before the storm hits.

Connecticut is at risk for many types of disasters, but as Hurricane Sandy gets closer to the state, insurance officials are sending out the friendly reminder to let residents know that preparing can save time and money.

"You never know what's going to happen," said Mike Mcmanus of Glastonbury. "There's a lot of trees in my yard that could fall on my house, I'm glad I have it."

Before the storm, officials said it's a good idea to take an inventory of your personal property, including any model numbers and gather any receipts you may have. In addition, take pictures or record your belongings in each room of your home.

Insurance officials said residents should also review their insurance policies, and keep them handy in case an order to evacuate is given, or any damage is suffered to your property.

"Homeowners covered all the meat we lost last time. We lost, with Irene, everything in the freezer and refrigerator," said Nancy Baird of Colchester.

Insurance agents suggested bringing inside outdoor toys and furniture, clearing gutters and downspouts and boarding up windows.

After the storm, residents are asked not to sign anything until a licensed insurance professional has had a chance to look at your claim, and give you proper, professional advice.

"We did change the laws somewhat and now it has to be hurricane force winds that occur somewhere in the state of Connecticut before they enforce these hurricane deductibles," said Gerard O'Sullivan of Connecticut State Insurance Department

Before Hurricane Irene, Tom Draxler of East Hartford called his insurance agent and reviewed his policy. And he got the answer that he was looking for.

"If there was any exterior damage you're covered," Draxler said.

The state insurance department learned from Hurricane Irene caused power outages and are going low-tech by handing out posters and flyers in hard hit communities.

For more information, check out the Connecticut Insurance Department website by clicking here.

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