We hope no disaster befalls any of our clients -- we're all partners in life, no well-rounded insurance agency should wish ill on its customers.

But should danger or disaster strike your Florida home, take the following actions:

• Contact your insurance agent and company right away. Burglaries and theft should be reported to the police instantly.
• Read your insurance policy so you understand what responsibilities you have to your insurance company after a loss.
• After a disaster, do everything you can to protect your property from further damage by making temporary repairs. Save damaged parts in case the claims adjuster needs to examine them.
• Get at least two bids on the cost to repair or replace damaged property.

Alabama, Tennessee, and Georgia were knocked about pretty hard last night by heavy storms and tornadoes. Their families are in our thoughts and prayers today. Stay safe, Florida!