TALLAHASSEE, Fla. (WTXL) - Hermine is still fresh on the minds of many in our area, prompting residents to be more prepared for the next big storm. And it's more than just having supplies ready.
Often, it's only after a hurricane hits when people really start to look at their finances.
"As soon as the floodwaters recede, let's not take our mind off of those folks, because that is when their journey to recovery really begins," said
Sharon Tyler, with the Capital Area Chapter of American Red Cross.
"It's having the plan, staying informed, and most importantly, is having a kit of supplies, so you'll have all the things that you need," said Kevin Peters, with Leon County Emergency Management.
While damage to property may be unavoidable, experts say review your insurance policy.
"As a homeowner -- or even as a renter -- you want to make sure that you have placed yourself in the best possible situation, so that you can recover as quickly as possible after a storm," said Tasha Carter with the Florida Department of Financial Services.
Here are some tips to prepare: make sure your policy covers what you need, conduct a home inventory, and consider getting other types of insurance.
"If mold or mildew gets in it or the sheet rock and all that gets wet, you've got all that as a loss, and most people do not have flood insurance," said Tyler.
"You may also want to purchase sinkhole insurance as well," explained Carter. "Both of those two coverages are not automatically included in homeowners' policies."
In evacuations, experts say bring enough cash for food and shelter and don't forget legal and medical documents.
"Particularly insurance papers, as your home may sustain damage, you want to be able to file a claim as quickly as possible to begin the recovery process," said
Kevin Peters with Leon County Emergency Management.
A process that can go more smoothly if there's enough preparation.
Experts say you should base your coverage on how much it would cost to repair your home with current costs for labor and materials.
The "Florida department of financial services" has an emergency financial preparedness tool-kit.