Is your insurance policy protecting you from disasters? Everyone's answer to this should be yes. Being prepared is what insurance is all about. The most frequent natural disasters we face here in South Texas are tornadoes, flooding, and hurricanes.
Insurance for Hurricanes
Homeowners insurance policies may not cover damage that occurs from hurricanes and the coverage depends on your deductible. Hurricane damage insurance takes care of the damage inflicted on your equipment, outdoor furniture, fences, and structure. This policy also covers plants, trees, and shrubs. Civil commotion, riot, explosion, lightning, or fire are also covered and so is damage from non-owned vehicles.
Hurricanes usually involve rapid and heavy rainfall. The flood may occur during the hurricane season. Check if your policy includes protection to such disaster. Highly consider getting a flood insurance policy. Flood insurance will provide protection for the rise in water level for a short period of time.
You should call your insurance agent and ask about flood insurance if you haven’t already. They can explain where the home insurance stops and the flood insurance begins. This knowledge can be beneficial especially during the hurricane season.
Flood Insurance
One of the most devastating things that may damage a person's home and belongings is flood. Flood is so bad because a lot of people do not have the required coverage. Flood damage is not covered in homeowners insurance. Due to water damage, you might need to replace your furniture and floor. Get a flood insurance policy so you can protect your home from floods.
You may buy flood insurance for your home. You may also include your belongings in the coverage. Your insurance will cover the foundation and building as well as plumbing and electrical systems. Built-in appliances, cooking stoves, refrigerators are also within the coverage. Personal belongings are included in the coverage for belongings. They are freezers and food, carpets, curtains, electronics equipment, furniture, and clothing.
Insurance for Tornadoes
Unlike floods and earthquakes that have special coverage, tornado insurance is often within the coverage of your homeowner's insurance but not always. People usually experience damage to their windows and siding due to tornadoes. Falling trees may also damage the roof. Most of the destruction is what insurance classifies as wind damage. If you're lucky, wind coverage may be one of the named perils on your policy. If yes, then your policy will protect you in case there is a tornado.
Tornadoes may also damage other structures on your property. Your unattached garage or shed is an easy target for tornado damage. In extreme cases, the tornado might wipe out the structure completely. Whenever this happens, you have to rely on your coverage in "other structures."
Your vehicle may also fall victim to tornado damage. It may be the same as what we discussed earlier. Falling trees may damage and break the car. It should be under your car insurance comprehensive coverage.
At the Brad Spurgeon Insurance Agency Inc. we focus on homeowners, flood, and windstorm insurance so we have as much experience and knowledge as anyone in South Texas about these topics. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote.
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