You may discover that damage from wind and hail is excluded from your homeowner's insurance if you reside in a region where severe windstorms are frequent; if the hurricane damages your foundation, you may not be covered for repairs. These are the lists of coverage:
- Personal property coverage
A repair or replacement assistance under your home insurance policy in case of a covered loss. It includes everything you possess, such as clothes, furniture, electronics, and other belongings.
- Dwelling coverage
It is responsible for covering repairs to the physical structure of your house. It protects your house and integrated systems from danger or hazards like fire, smoke, and lightning strikes. Your home's replacement cost, or how much it would cost to rebuild it completely, should be the limit of your coverage.
- Structures coverage
It is also known as separate structure insurance. If a covered peril damages one of your property's non-attached structures, like a fence, gazebo, or detached garage, it assists in covering the cost of repairs.
- Loss of rent coverage
Insurance may compensate you if your rental income is lost. Generally, residential, commercial or multi-unit properties are eligible for this coverage.
- Loss of use coverage
A kind of coverage your insurance provider offers in the situation that a disaster causes your home to be uninhabitable. While your house is being rebuilt or restored, this coverage covers any living expenditures such as hotel stays, restaurant meals, and other living costs.
How To Claim Windstorm Insurance
A policyholder must follow particular procedures to submit a windstorm insurance claim. The most significant thing is to move immediately. The limit of time during which you can submit a claim for storm damage is sometimes restricted by policies.
- Record the storm date and proof from news articles.
- Assess and give some proof of damages such as photos and videos.
- Have a reputable contractor check the vicinity.
- To ensure a fair evaluation, request that one of the contractors be present when the insurance adjuster inspects the property.
Many policies limit the time frame during which you can file a claim for windstorm damage, and it is typically affixed.
At Brad Spurgeon Insurance Agency Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!