Most home insurance policies available cover damages from different scenarios. It may include windstorms, tornados, ice storms. Also, it should secure you from wildfires, power surges, fallen trees, lightning strikes, and hail damages. On the other hand, it's important to read your policy to know what is covered and what is not.
Suppose your insurance doesn't cover storm damage. In that case, start by choosing a policy covering the basics like water and ice damage, lightning strikes, and power surges. These are the initial coverage needed.
For the first encounter, storm damage insurance, here are some things you should know.
The Storm Damage Insurance is not a policy on its own. It is part of the homeowner's policy. Primarily, it protects you from the expensive costs of repairs after a storm. You can file a claim with your insurance company. Then, they will send an adjuster to assess the damage.
Many homeowner's policies include storm damage insurance. There are still those that don't cover it. Luckily, the storm damage insurance is not as expensive as other coverage.
As the homeowner, you need to pay for the deductible. Then, the insurance company will help cover the other repair costs. Each policy has specific coverage. Thus, it is best to check what is covered in the homeowner's policy offered to you. Also, you can get additional coverage for broader protection.
Usually, floods and earthquakes are not covered in the homeowner's policy. The good thing is you can easily get and add it. An agent can tell you if this coverage is available in your area. When getting a storm insurance policy, some of the coverage you need is matching siding. There must also be roof replacement cost and sump pump overflow.
Make sure your home's protected from calamities. This avoids unnecessary expenses on your part in extreme weather conditions. Homeowners insurance, specifically for storm damage, offers protection and peace of mind. Even if you can't control the weather, storm damage protection in place helps you recover.
At Valencia Insurance Group, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (772) 344-8899. You can also request a free quote by CLICKING HERE.