قالب وردپرس درنا توس
Home / Insurance / What is considered a natural disaster, and am I covered?

What is considered a natural disaster, and am I covered?

Natural disasters happen. While no one can predict when they will occur, homeowners insurance can give you peace of mind. First, though, it’s important to understand what qualifies as a natural disaster under the terms of your policy. Homeowners insurance covers a wide range of natural disasters, including those caused by fire, tornadoes, hail, explosions, windstorms, volcanoes, hurricanes and extreme cold. That said, homeowners insurance does not cover certain natural disasters, such as floods, earthquakes, and mudslides.

Examples of natural disasters Homeowners insurance may cover

It would be best if you didn̵

7;t have to guess about what natural disasters a homeowner’s insurance covers, so be sure to ask questions and consult with your agent to clarify these points. In addition, you should be clear about the coverage limits of your insurance. Without adequate coverage, you could end up footing the bill for something you didn’t expect to pay.

Here are some examples of natural disasters and how your home insurance may apply:

  • Hurricanes: A hurricane can cause serious structural damage to your home, and you may also lose some cherished personal items. While damages and losses caused by wind and hail are usually covered, flood damages are separate in most cases. You will likely need another policy to cover these events, so be sure to check with your insurance agent to ensure your property is protected.
  • Fires: Unless you live in an area that is particularly prone to wildfires or when a fire was set on purpose, your home insurance should cover fire-related damage. Also, if you have very valuable items in your home, such as fine jewelry, you should have them appraised for a scheduled personal property clearance. Otherwise, they will have little or no coverage.
  • Extremely cold: Homeowners insurance policies usually cover damage caused by extreme cold. For example, if your home or personal belongings are damaged by the weight of ice or snow, they will likely be covered. On the other hand, if ground snow melts and seeps into your home, resulting in water damage, this is likely not covered unless you have separate flood insurance.

The coverage your home insurance provides can help ensure that, no matter when the unexpected happens, you don’t have to worry about the costs. When you work with an agency committed to serving the community, you can expect personalized service and assistance in finding the best insurance at the most reasonable rates.

Keep your home and property protected with homeowners insurance

A natural disaster can potentially cost you everything, but homeowners insurance can help cover those losses, so you can protect what matters most to you. Our agency will work with you to understand your needs and ultimately find the most effective policies to protect your home and belongings at a price you can afford. With our team by your side, you can rest easy knowing you’ll be prepared whenever nature strikes.

Contact us today for the personal attention and prompt service you deserve.

Source link