As a homeowner, you never know when a storm could damage your home. While not all storms cause catastrophic damage, some could significantly impact the structure of your home. You can’t control the weather, but you can control how you financially protect your home from potential weather-related disasters. Having the right insurance coverage is one of the best ways to protect your home and belongings from disastrous weather. Our agents at Protective Risk Agency are here to help you determine the best coverage options for your home.
What Types of Storm Damage Coverage Are Available?
Your homeowners insurance policy is the most common way for your home to protect against storm damage. Homeowners insurance may provide storm protection against the following:
· Ice storms
· Hail damage
· Lightning strikes
· Fallen trees
· Power surges
Your homeowners insurance will not cover all types of natural disasters, though. Many home policies do not cover damage caused by earthquakes, hurricanes and/or floods. There are separate policies you can seek out if you wish to have coverage against these types of weather-related disasters. This is especially important to consider in low-lying areas of Louisiana, which are prone to flooding and susceptible to flooding and damage due to hurricanes. Flood insurance, for example, can help you as a homeowner protect your home after a flood or significant water damage due to weather occurs.
How Does Coverage Work?
It’s essential to file a claim immediately after a storm. The following steps should be followed with your homeowner policy after a storm occurs:
· Contact your insurance agent as soon as possible. Gather as much information about your policy, including how much time you have to file a claim. For example, if you have a policy from the National Flood Insurance Program, they require claims to be filed within 60 days.
· An insurance adjuster should be sent out within 30 days to inspect the damage after filing your claim.
· You must file a separate claim if you had a flood insurance policy due to your homeowners policy not covering flooding.
For a more in-depth view of your policy or policies work, reach out to your agent.
Learn More About Storm Coverage
Storm coverage is a crucial step in protecting your home against unpredictable and uncontrollable weather-related damages to your home. Our agents at Protective Risk Agency are ready to help you get started with coverage. Reach out to an agent today to learn more about your coverage options.