Storms and Insurance

9/29/2020 (Permalink)

One of the most expensive things you will ever own is your home. We all try and try to keep up with things but there are things we just can't expect and plan on at times. Storms can be one of them.

The first thing to note is to make sure that your insurance covers all that you think it does. Did you know that water that enters your home from the bottom up (flooding) isn’t covered by homeowners insurance? You can usually get coverage for it but it typically does not come standard. For people living on flood plains, adding flood insurance is common practice. Most people don't know that neither flood insurance nor a homeowner’s policy covers sump pump failure though.

Avoid the stress associated with sewer back-ups, seepage issues, or flood waters by purchasing targeted pump failure insurance coverage. We have seen people taken by complete surprise finding out that they don't have the coverage that they thought they did.

Having a conversation with your insurance agent is one of the best things you can do to protect your home. Know what coverage you have and don't have so your not  taken by surprise when a storm rolls in!