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Things you should always have done every year:


• INVENTORY • Do a photo inventory of entire portfolio. This includes all exterior of property, clubhouse with amenities, shrubbery, and any other fixtures that is covered under your policy. Encourage all property owners to do an internal audit of their belongings.


• INSURANCE REVIEW


• You may think you are getting a discount on your monthly insurance if your premium does go down. Make sure they are not taking away coverage from you in order to lower this amount.


Tips for communities


Create an emergency disaster plan for your community. The following are recommended components of a disaster plan:


• Include evacuation sites • Create a disaster volunteer committee


• Encourage your homeowners to keep a safety kit in their home that includes a flashlight, a whistle, and a face mask. • Register any special needs residents with the board and village • Have emergency numbers accessible on your phone


It is hoped that, with this toolkit and the guidance provided in this article, you will be better armed and informed to have a claim handled as successfully as possible the next time a disaster hits.


• PROPERTY INSPECTION


• This is a good way to make sure you know the status of your property. It will provide a more accurate maintenance schedule for any future issues that may need attention.


www.cai-illinois.org • 847.301.7505 | 51


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