CHARLOTTESVILLE, Va. (WVIR) - Hurricane Florence continues to threaten parts of Virginia, causing many people to be concerned about the damage high winds and heavy rains will bring.

Towe Insurance Service says since Hurricane Florence is a "named storm," you'll often have a different deductible than you would with a run-of-the mill kind of storm. The folks at Towe are encouraging homeowners to have your policy number and insurance company's claim line phone number ready in case of a disaster.

The company's president, Beth Towe Heck, is urging you to check with your insurance agent to make sure you understand your deductible and coverage plan before the storm hits.

You may able to add additional coverage before the storm hits, but that depends on your current renters or homeowners plan.

When it comes to flood insurance, there's a mandatory 30-day waiting period before it would take effect.

However, Towe says since this storm is expected to bring large gusts of wind and rain, you need to pay attention to how the water is affecting your home.

"If water just rolls off the street through the front door, that's probably going to be considered more of a flood situation, so that’s why it’s very important to figure out how the waters getting in, what the situation is. But wind-driven rain into the building, that's covered, that's not considered flood. So in storms like this where we get high winds, they're going to air on the side and pay those claims," Heck said.

Towe encourages people to take photos of your property before and after the storm to document damage.

Some of the things you can do to try to protect your home and belongings before the storm include:

  • bringing valuables up from the basement to higher ground
  • cleaning your gutters or purchasing gutter extenders that will route water away from your home.
  • bring in trash cans and large outdoor items to prevent them from blowing away and causing damage.