{"id":3469,"date":"2015-10-01T12:53:07","date_gmt":"2015-10-01T19:53:07","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=3469"},"modified":"2015-10-01T12:53:07","modified_gmt":"2015-10-01T19:53:07","slug":"6-major-reasons-to-consider-storm-insurance","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/6-major-reasons-to-consider-storm-insurance\/","title":{"rendered":"6 Major Reasons to Consider Storm Insurance"},"content":{"rendered":"

With yet another hurricane on a collision course with American homes, homeowner\u2019s insurance<\/a> is at the forefront of everyone\u2019s mind. Storms are capable of immense damage and, in many circumstances, the complete destruction of a home, so it\u2019s normal to worry whether or not your existing homeowner\u2019s insurance policy will be enough when it\u2019s most needed.<\/p>\n

Many homeowner\u2019s insurance policies do cover storm damage, or they may separately cover flood damage and wind damage, the two most common types of storm damage. Ask your agent or simply review your coverage plan for more information on your specific plan, and in the meantime, be sure to prepare your home. Minimizing damages and making the claims process easier is simple. Start by making a list of your valuable possessions, taking lots of pictures, and storing your documents in a safe container, then make your way down this list to make sure you\u2019re protected.<\/p>\n

1. Install Hurricane Shutters<\/strong><\/p>\n

Most home insurance policies require the policyholder to install hurricane shutters to all windows. Without these shutters, homeowners may not be entitled the the full benefits of their insurance. Alternatively, homeowners can have storm-rated impact glass installed, but at least one of these options is required.<\/p>\n

2. Is an Overflowing Pool \u201cFlooding\u201d?<\/strong><\/p>\n

An overflowing swimming pool can cause just as much flood damage as a tropical storm, but will your flood insurance cover damages? In most situations, no, but it\u2019s best to check with your agent and know for sure \u2013 if your pool floods and damages a neighbor\u2019s property, for instance, your claim may be valid.<\/p>\n

3. Does Homeowner\u2019s Insurance Cover your Car?<\/strong><\/p>\n

Many people worry that if your vehicle is damaged while on your property, you\u2019ll be forced to make a homeowner\u2019s insurance claim. The vehicle is one of your possessions, after all, but is this really necessary? Probably not. Your auto insurance policy protects your car no matter where it goes \u2013 even if it\u2019s parked inside your garage.<\/p>\n

4. Know Your Policy\u2019s Limitations<\/strong><\/p>\n

After a storm, it may seem impossible to rebuild, and there may be out-of-pocket costs to consider. Luckily, homeowner\u2019s policies have two forms of additional coverage that protect you from outrageous out-of-pocket rebuilding costs. One prevents new building code changes from costing you additional out-of-pocket funds, and the other protects homeowners from surging labor and resource costs following extreme weather.<\/p>\n

5. Make Changes While You Can<\/strong><\/p>\n

The National Weather Service<\/a> isn\u2019t always the first to identify extreme weather risks, and until they issue their official hurricane warning, you can make changes to your policy. Use this window of opportunity to purchase additional coverage, but be wary of the 30-day waiting period that comes with changes to flood insurance.<\/p>\n

6. Who Is Responsible?<\/strong><\/p>\n

In the event of a natural disaster, it can often be difficult to determine which party\u2019s insurance will pay for damages. Give us a call or click today for more information \u2013 we have experts standing by, ready to answer your questions.<\/p>\n

Interested in California homeowner\u2019s insurance<\/a>? Visit our website or call today! Our team of dedicated professionals will help you every step of the way.<\/p>\n","protected":false},"excerpt":{"rendered":"

With yet another hurricane on a collision course with American homes, homeowner\u2019s insurance is at the forefront of everyone\u2019s mind. Storms are capable of immense damage and, in many circumstances, the complete destruction of a home, so it\u2019s normal to worry whether or not your existing homeowner\u2019s insurance policy will be enough when it\u2019s most […]<\/p>\n","protected":false},"author":1,"featured_media":3470,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[720,703],"tags":[366,506,580],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/3469"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=3469"}],"version-history":[{"count":0,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/3469\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=3469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=3469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=3469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}