As a homeowner, you can take steps to protect your home from the unexpected by performing regular maintenance and installing a home security system. But you can’t control what the weather throws your way. We want to make sure you’re confident your homeowner’s insurance is there for whatever you worry about. Let’s take a closer look at storm damage and insurance so you gain peace of mind you’re protected from anything Mother Nature throws your way. Here are a few things you need to know about your home insurance when it comes to storm damage.
Types of Weather Damage That May Be Covered
The most common types of weather-related damage include:
- Hail damage
- Roof damage
- Water damage
- Wind damage
- Sewer back-up
- Frozen pipes
- Fallen trees
- Power failure
Do you need to purchase another policy?
Check your policy details about what causes of loss are covered by your policy and what is excluded. Speak with your agent if you have questions or want to explore options for enhancing coverage.
Contact your insurance company
If your house gets damaged, it is important to contact your homeowners’ insurance company as soon as possible to notify them of the damage. Be sure to document the damage and take pictures if possible. Follow the instructions given by your insurer and keep a record of the people you spoke with. Records should include the date, name, and title. After you’ve documented the damage, make the repairs necessary to prevent further damage. DO NOT make any permanent repairs before the insurance company is able to inspect the damage and your insurance carrier approves the repairs.
Ready to protect yourself from the storm? Contact us at https://panichelleinsurance.com/contact-us/