Marix Hughes | The Hughes Agency
Around here, we know storms are just part of life. One minute everything is calm, the next the sirens are going off and the sky looks like it means business. When that happens, it’s scary, overwhelming, and emotional. But this is exactly why you have us.
At The Hughes Agency, we don’t just sell policies. We walk with families through some of their hardest days. If a tornado or severe storm hits, here’s what I want you to remember.
Nothing in your house is more important than the people inside it.
Before you worry about claims, pictures, or anything else:
Stay away from downed power lines
Watch for glass, debris, and unstable structures
Leave the home if it’s not safe
Follow local emergency guidance
Once everything is secure, then we move to the next step.
Your phone becomes your best tool.
Take photos and videos of:
Roof damage
Broken windows
Water damage
Structural issues
Damaged furniture, electronics, clothing, etc.
Do not start throwing things away right away. I know it’s tempting, but damaged items help support your claim.
This is where having a local agent truly matters.
When you contact The Hughes Agency, we will:
Help you start the claim
Explain your deductible and coverage
Tell you exactly what happens next
Work with the adjuster
Advocate for you if something doesn’t look right
You don’t have to figure this out alone. That’s our job.
After a storm, insurance expects homeowners to take reasonable steps to keep things from getting worse.
That could mean:
Putting a tarp on the roof
Boarding up broken windows
Removing standing water if it’s safe
Keep your receipts for any temporary repairs. Many of those costs can be reimbursed.
Preparation makes everything smoother.
Walk through your home with your phone and record each room. Open closets, drawers, cabinets. Talk through what you see. Store that video in the cloud.
Have copies (digital or in a waterproof container) of:
Insurance policies
IDs
Mortgage paperwork
Birth certificates
Do you know your deductible? Your dwelling limit? Your personal property coverage? If not, let’s talk before storm season gets here.
Storms come and go, but our commitment doesn’t. Since 1971, The Hughes Agency has helped families across Tennessee recover, rebuild, and move forward.
We’re not just here when it’s time to pay a bill. We’re here when life gets turned upside down.
If disaster strikes, call The Hughes Agency.
We’ve got you covered — and we’ll walk every step with you
