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Mobile County Emergency Management Agency

Be Resilient

Resilience prepares communities, reduces suffering, and speeds recovery. Please check out these resources from our partners

Be Resilient After A Disaster By Being Ready

Insurance Checkup


Get an insurance checkup every year by contacting your homeowner’s insurance company. Ask your insurance agent questions about what your coverage entails, what your deductible and claims reporting options are, and whether you qualify for any discounts or incentives that can save you money. 


Conducting an insurance checkup will ensure that you have the right financial resources to rebuild, recover, and bounce back from any disaster.

Coverages – Know the Basics

1. What type of insurance policy do I have? Is it the right kind for me?
2. Is my home insured for actual cash value or replacement cost?
3. If my home is uninhabitable, will my policy provide temporary living expenses? What is the time limit?
4. What liability coverage limits should I choose?
5. Are my personal belongings covered? How is the limit established?
6. Do I need individual policies for high-value personal items? What are some examples?
7. How do I cover flood losses if they’re not part of my homeowner’s policy?

What is my deductible? What are my options?

  1. How is a hurricane deductible different? How much savings should I have in reserve to meet my deductible?
  2. What are my responsibilities to prevent further destruction if damage occurs?
  3. What can I do to make processing my claim efficient?
  4. What is the best way to document damage?

Discounts and Incentives

  1. Does my community’s building code affect my rates?
  2. Are discounts available for crime and fire prevention, lightning protection, safety, water loss detection, or wind mitigation?
  3. How can I save on flood insurance?
  4. How can I qualify for policy discounts each year?

Online Resources

Individuals and Households:

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Guide for Developing Emergency Operations Plan for K-12 Schools at

Guide for Developing Emergency Operations Plan for Institutions of Higher Learning at