Weather has been making big headlines. According to news reports and government forecasters, more than 500 tornadoes have spawned across the United States since late April. Historic flooding has also taken hold in many states in the past week including Oklahoma, Arkansas, Missouri, and Iowa. With the 2019 Atlantic hurricane season officially starting June 1, the National Oceanic and Atmospheric Administration is predicting up to 15 named storms.
Severe weather often happens without much notice and damage to life and property can be catastrophic. Legal planning can help reduce the burden on individuals and families when the unexpected happens. Here are a few recommendations:
- Locate and review your home, auto, and life insurance policies to understand your coverage and policy limits. In the case of life insurance, make sure beneficiaries are current. When it comes to property, it is particularly important to understand what type of damage is covered and whether you have full coverage in the event of storms, flood, hail, wind, and other harm caused by nature.
- Create a Life Documents File which is a collection of important legal papers. The file can include identification records such as birth certificate, social security card, and copy of driver’s license or other photo ID. In addition, consider including contracts, deeds, insurance policies, medical records, photos, and a financial assets inventory. Maintaining records together in one place is beneficial in the event of an emergency when you may need to “grab your documents and go.” For more than a decade, USLegal has offered instructions on how to create a Life Documents file as a public service. Click here for more details.
- Store your important legal documents in a secure place such as a home safe.
- Draft Will, Living Will, and Power of Attorney forms. Documents can be prepared by consulting attorney in your local area. Individuals can also prepare legal forms on their own by downloading state-specific documents online. USLegalForms.com offers a number of personal planning packages with essential legal forms for individuals, married couples, new parents, those serving in the military, and others.
- Take photos and keep receipts of major assets such as furniture, electronics, appliances and more to assist in the event you will have to file an insurance claim.
Visit the USLegal Life Resource Center for more legal planning tools.
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Legal Definitions
Comprehensive Insurance
Comprehensive insurance refers to an insurance that combines coverage against many kinds of losses that may also be insured separately. An example of a comprehensive insurance is the automobile insurance policy.
A comprehensive insurance is considered a typically primary insurance, that is, insurance that attaches immediately on the happening of a loss which is not contingent on the exhaustion of an underlying policy. Comprehensive insurance also helps in providing protection to the buyer of the contract so that if the security is lost the contract will be paid. Under comprehensive insurance, any part of the insurance over the balance due on the contract being paid to the buyer. Thus, both the purchaser and lender are protected by comprehensive insurance.
For more legal definitions, please visit our free online legal dictionary at http://www.uslegalforms.com/legaldefinitions/.
