Things happen. It’s the way of the world. If you own a self-storage facility, you have a certain assurance that your belongings will be safe. While that may not be too far-fetched, when a natural disaster occurs, an unknown taste of reality takes precedence. If you happen to have some of your belongings in a self-storage facility and it’s affected by the storm, what should you do?
As a renter of a unit, your belongings have some protections if the structure is damaged through no fault of your own or the owners of the facility. An important part of ensuring your belongings have some protections is through the use of rental insurance. Although some people choose to opt out of the insurance portion of their rental, when natural disasters occur, they really start wishing they had paid the few extra dollars.
The additional insurance policy works like a renter’s policy and covers everything inside up to a certain amount of money. You can also add an additional value to your items, based on how much you feel is needed to replace those items. Check your personal renter’s policy or homeowner’s insurance policy to see if those items you had in storage are covered as well. There’s nothing worse than losing valuables and not having them insured for replacement. Of course, there are some things that cannot be replaced, like photos and things, but furniture and other tangible items may make the cut.
When determining which self-storage location you choose to place your belongings, think about a few things. Is it in a tornado-driven area? Are there excessive flooding problems? How heavy does the snow get in the area? You want to think of these things not only for safety of the structure, but in determining accessibility if you need something. Also make sure you get all the information you need on what happens during natural disasters, the building’s protection policy and security schedule.
Taking the time to do a little will help you out a lot in the end.