This podcast and the corresponding Adjusting Today article titled: "Hurricanes and Windstorm Coverage," focus on the idea that understanding your insurance policy before a disaster strikes is essential to protecting your organization from the next major hurricane or windstorm and ensuring a fast recovery. Different types of special coverages may be available and needed for property owners in hurricane prone areas. Tips for policyholders include: making sure there is an electronic PDF copy of the insurance policy, before and after claim property pictures/videos, insurance audits and considerations for microbes.   Key Takeaways: [1:30] What areas of the United States are the most exposed to hurricanes or tropical storms? [2:54] What type of hurricane damage should property owners be concerned about? [5:07] Does a standard residential or commercial insurance policy protect a property from hurricane damage or is special coverage required? [8:10] In layman’s terms, what types of coverages are available that would benefit property owners in case of a hurricane or windstorm? [25:10] Is mold covered in a standard insurance policy and is it capped? [29:23] In the aftermath of a hurricane, what is the first thing a policyholder should do? [36:46] Additional comments from the panelists about coverages and premiums. [38:58] How have insurance policies changed based on past major hurricane events?   Panel of Insurance Experts: Keith Hayman, Director of National Development - Goodman-Gable-Gould/Adjusters International John Marini - President and CEO - Adjusters International C. Todd Thomas - Executive Director of Consulting and Services and member of the Society of Risk Management Consultants -  Adjusters International   Mentioned in This Episode: Adjusters International Adjusting Today - Hurricane and Windstorm Coverage Article by Keith Hayman