Since damage from wind is one of the most common risks that your property may face, your insurance company is expected to cover it. The typical homeowners insurance policy usually covers damage to your homes caused by windstorms.
However, there are natural calamities that are not usually part of your homeowners insurance coverage: floods and earthquakes. You may need to purchase an add-on or a separate policy for that to be covered. In the event that it will be challenging to determine what caused the damage (like when a storm hits resulting to strong winds and flooding), you may seek help from a public adjuster.
Roof Repair or Replacement
Although your insurance company is bound to repair or replace (whichever costs less) your damaged roof, it is not as simple as it sounds. For instance, if your roof and shingles has discoloured due to old age, adding new parts to it can affect cosmetic value but replacing the entire roof could be impractical and may be out of budget.
Nonetheless, most homeowners usually choose to basically replace their roofing and take advantage of their due insurance compensation in cases of roofs reaching its expected lives since they may be covered.
Know what Anti-Concurrent Causation Clauses entails
Anti-concurrent Causation Clause states that when two disasters occur simultaneously and the homeowner is only covered for one, the insurance company might not cover any damage. To illustrate, when your roof is blown off by strong winds, and then your home floods, your insurance company might refuse to cover the damages because flood insurance is not part of your policy.
Hire Local Contractors
It is essential that you choose contractors that will give you high quality service, and you’ll usually find them locally.
Typically, when a windstorm strikes, contractors will flock in your region in the hopes of cashing in on the insurance claims. However, choosing an experienced and qualified local company might be a better option. Remember to ask your insurer about the requirements (estimates) you may need to submit as individual policies can have different requirements.
Wind Coverage in Some Parts of Texas
Because some areas are more prone to windstorms and hurricanes, insurance companies often ask extra charge for protection against wind damage. For example, in 14 coastal counties in Texas, homeowners must buy wind insurance coverage from Texas Windstorm Insurance Association. If your property has this risk, it is important to look into your insurance policy to better understand your coverage.
If you have questions about a wind damage insurance policy, you may call us at (409) 945-4746 or visit our office today. Brad Spurgeon Insurance Agency can provide you with superior customer service and low rates. Get a free quote from us by clicking here.