Hurricane Season Checklist: Protecting Your Vehicles, Boats and RVs in South Alabama

Owning a vehicle, boat or RV in Foley, AL means planning for hurricane season. Storms often give little notice, and the right coverage plus some prep work makes recovery a lot easier. Use this checklist to see what to handle now and what to ask your agent about before the season picks up.

Review Your Coverage Before the Season Starts

Pull out your current policies and confirm what is covered for storm-related damage. Key coverage types to verify include:

• Comprehensive auto coverage, which typically covers wind, hail and flood damage to vehicles
• Boat insurance, including coverage for the hull, motor and trailer
• RV insurance with storm and water damage provisions
• Coverage for equipment stored inside your boat or RV

Prepare Your Vehicles, Boats and RVs

Take a few physical steps before a storm approaches:

• Move vehicles to a sturdy garage or elevated structure.
• Secure your boat on a trailer and move it inland or follow the marina’s storm plan procedures.
• Store loose equipment from your RV’s exterior.
• Photograph the interior and exterior of each asset for documentation.

Document and Store Your Records

Photograph or video your vehicles, boats and RVs, and store copies of those records in a cloud account or at an off-site location. Keep policy numbers, agent contact information and claim reporting numbers accessible from a mobile device.

Confirm Your Deductibles and Policy Limits

Many policies carry separate deductibles for windstorm or hurricane losses. Ask your agent to walk through those figures and explain how your policy limits apply to total loss situations.

Contact Southern Insurance AL LLC before hurricane season peaks to review your policies, spot anything you are missing and get your vehicles, boats and RVs covered before the next storm.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.