Coaster regions regularly suffer from hurricanes, also it doesn’t mean other areas are in total safety. If you live in an area prone to nasty weather or with a high risk of storms you may have your own precautions for respective preparations. Although minimizing damage doesn’t mean its absence, and the way of handling them should be found. Another issue is to find an extra budget for restoration and remediation of aftermaths.
This is why it’s important to have full-coverage insurance. So the live issue is whether insurance conditions you have cover damage from floods, heavy storms and devastating hurricanes or it is necessary to add them in the list of accidents for reimbursement. The majority of people don’t check what exactly is covered with their general homeowner’s insurance certificate. The point is to check it and in case of necessity take respective measures.
Types of Damage to Be Included in Insurance Policy
The first thought which comes into the mind about the hurricane is a strong wind and stormy rains. So the major damage that happened to the property during a hurricane is caused by winds and trash lifted by them. The good news is that such type of damage can be covered within the majority of standard insurance certificates as a common danger. At the same time, some well-known insurers require separate inclusion of damage caused by the wind to the policy. So the good idea is to re-check the insurance policy thoroughly and ensure all necessary paragraphs are in place, so you’ll avoid unpleasant surprises in the future and will be able to include a necessary clause to the insurance agreement.
Speaking about stormy rains the water damage should also be considered as a risk to be covered within the insurance policy. At the same time be careful reading your insurance certificate – ensure you are insured not only from the housekeeping accidents like broken pipes or sewer line damage but from flooding caused by natural disasters as well.
The waterflood relates to the main dangers brought by the hurricane and the common subject for arguing with the insurer, which often rejects the claim in case the specific clause of the storm and other natural disaster damage haven’t been included in the policy and haven’t been paid.
Specifics of Homeowners Insurance in Relation to Hurricanes
There’re many details to be aware when it comes to homeowner’s insurance and conditions under which it includes hurricane’s damage reimbursement. After the aftermaths brought by hurricanes Katrina and Andrew the requirements of reinsurance companies and local regulations obligate homeowner’s insurance policy to include a clause about hurricanes coverage and take such risks working in a hurricane vulnerable region.
At the same time, many insurers strive to lessen their expenses by offering to buy separately windstorm damage coverage as a separate policy which is basically the same as flood insurance. Be careful with your choice, as the windstorm policy often considers a deductible percentage instead of the deductible fixed amount.
Check whether the covered amount is relevant to the average storm damage which usually happens in your area, so you’ll get into a situation when the given reimbursement will be not enough for restoration.
Call our Signature Water and Fire Restoration experts at +1-224-515-0100 and we’ll not only help you with the restoration but will help you to deal with the insurer regarding experienced damage and its reimbursement!