• Renewal offer and current declarations pages.
• Any property, vehicle, household, or business changes.
• Limits, deductibles, endorsements, or exclusions to review.

Lower price does not necessarily mean equivalent coverage. Do not cancel existing coverage until replacement coverage is confirmed in writing.

• Property address, occupancy, closing date, and deadline.
• Lender flood requirements and mortgagee information.
• Existing flood policy, elevation certificate, or related records.

A map result or quote is not proof of coverage. Allow time for underwriting, payment, and written evidence.

• Save policy numbers, carrier contacts, and claim instructions.
• Photograph property, valuables, vehicles, and equipment.
• Back up policies, inventories, receipts, and contacts.

Carriers may restrict new coverage or policy changes as a storm approaches.

• What happened and when.
• Photos or video of damage, when safe.
• Claim number, adjuster details, receipts, and estimates.
• Conversations, promised actions, and deadlines.

Follow carrier instructions before discarding property or making permanent repairs.

• Who depends on the income.
• Mortgage, debt, education, and future obligations.
• Existing personal or employer coverage.
• Coverage period and sustainable premium range.

This checklist does not determine the right amount or eligibility.

• Entity, operations, locations, revenue, and payroll.
• Buildings, equipment, vehicles, inventory, and services.
• Subcontractor and certificate requirements.
• Contracts requiring specific insurance terms.

Complex operations, fleets, or contract requirements may require assisted review.