1. Keep the name, telephone number, email, and web address of your insurance agent and/or company in a safe place, including your home computer or smartphone.

2. Perform a detailed, annual inventory of household items, including valuables and keep the inventory online and backed up to a cloud server if available.

3. Take photos of particularly valuable items for pre-loss value verification.

4. Keep paper and electronic copies of your insurance policy or policies in a safe place, including your home computer or smartphone.

5. Read your insurance policy carefully, and understand what is and what isn’t covered (deductibles, general and specific limits, flood coverage, etc.).

6. Keep vital records in a fireproof safe or safety deposit box, and/or send copies them to a trusted relative or friend in case disaster strikes and you can’t get to your home right away. Scan and store all records electronically and backup up on a cloud server if possible.

If you must evacuate the area, notify your insurance company and verify what your insurance policy will cover for temporary lodging.



The Actuarial Foundation, a 501(c)(3) organization, was established in 1994 to help facilitate and broaden the profession’s contribution to society. The Foundation explores innovative ways to apply actuarial skills in the public interest and brings together broad partnerships of individuals and organizations to address social problems in creative ways.


The nonprofit Federal Alliance for Safe Homes, Inc. (FLASH®) is an award-winning coalition of government agencies, professional associations, and private industry committed to strengthening homes, safeguarding families, and protecting economic well-being by promoting disaster preparedness.

©Copyright 2015 by Federal Alliance for Safe Homes, Inc. (FLASH®) and The Actuarial Foundation.