Review Your Home Insurance for Hurricane Coverage
Protect your home from wind water and hail claims during hurricane season. Did you know areas inland from the Gulf of Mexico like the Texas Hill Country are vulnerable to a tropical storms and a hurricane’s sustained winds or accompanying torrential rainfall. Your home, condo or renters insurance policy can protect you from financial disaster after a damaging hurricane.
Atlantic hurricane season lasts from June 2022 to November 2022 and peaks between August and October A hurricane or tropical cyclone is a rotating low-pressure weather system that has organized thunderstorms. Storms of this nature can produce prolonged high winds and torrential downpours of rain even if you are miles away from the coastline. In order to minimize your loss there are some steps you can take to help prevent or lesson property loss due to wind water and hail
The majority of wind losses occur during periods of heavy storm activity. Consider protecting the openings of your home from windborne projectiles, remove loose debris and objects form outdoors. Remove and maintain all dead tree limbs or branches that brush against the roof to ensure they are less likely to be in contact with your home.
Is Severe Storm Damage Covered By Home Insurance?
Water damage losses can be due to failing HVAC components such as clogged drain lines or gutter lines, water piping not protected from freezing during winter months, and worn or damaged flashing around the home’s roof soffits allowing water intrusion.
For more information on the difference between water damage and flood damage check out our blog, What’s the Difference Between Water Damage and Flood Damage?
Hail losses are most frequently sustained to roof coverings, house siding or windows and vehicles. Have a professional perform roof inspections on all buildings and, if deficiencies are noticed, have them repaired.
Does A Tornado or Hail Damage Claim Raise Home Insurance Rates
Once a storm has passed make sure everyone is safe and secure. Look for safety hazards including down power lines exposed electric wires an leaking gas or liquids. Complete temporary repairs to prevent further damage and have systems inspected by a professional to be sure they are safe to operate and still serve their intended purpose.
Before a hurricane pay attention to weather forecasts and listen to local authorities about actions you should take. As a reminder secure all doors and board up windows to help protect your property during the storm. Have extra food , water, fuel in the instance supplies s are not readily available after the storm. A Hurricane Watch means that there is a threat of a hurricane, but it is not imminent. The watch covers a specific area and time period. A Hurricane Warning means that a hurricane is expected within 24 hours with sustained winds of 74 mph or more.
It is important to note there may be a waiting period for insurance and most companies will not accept new (or increased) coverage applications after a named tropical storm is designated by the United States Weather Bureau. Your local personal independent insurance agent works with multiple insurance companies and can help you quote Hurricane insurance for your Condo, Renters, Apartment, and Home insurance.
Resources:
https://www.osha.gov/hurricane/preparedness
Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions, and conditions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of your policy prevail. This information is provided solely as an insurance risk management tool. It is provided with the understanding that we are not providing advice or any other professional services. We shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information.
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