#yourcovered

You’re covered.

No matter what the weather or the storm, you’ve prepared for whatever situation arises in life.

Faith is greater than fear.

So, make BIG BOLD MOVES to shake up the status quo.

This year is your year to rise and shine your brightest.

You’re covered.

Have you noticed that storms typically have more strength during the summer months, and thus a higher chance for damage? Thunderstorms are made when warm air hovers beneath a layer of much colder air. Storms occur more frequently in the summer when the days are longer because there is more sunshine and therefore more energy to feed them. Typically accompanied by rain, thunderstorms supply ample amounts of moisture which inturn also increase the chance for tornadoes. Are you covered in the event of severe storm damage? It’s important to have the right coverage in place to lessen the burden of getting your house and life back together following a storm.

What is storm damage insurance?

Storm damage insurance isn’t a policy on its own, but a part of your homeowners policy. These coverages are designed to protect you from costly damages to your home after a storm-related event. If in the event of a storm, your home faces damages, you can file a claim and your insurance company will send someone to assess the damage to your home. After you pay your deductible, your company will help cover the remaining cost up to your coverage limit.

What’s covered by storm damage insurance?

Typically wind damage, fallen trees, lighting strikes, and floods are all coverage options. 

Wind Damage

After straight-line winds come into contact with your home or neighborhood, your property may look a bit different. Lawn furniture may be relocated all around the yard, windows may be blown out, your fence may be knocked down, and you may find missing shingles or sections of your roof. Storm damage coverage included in your homeowners insurance can help you pay for the costs of repairing or replacing damaged sections of your home, roof, fences, and other items that took a hit during severe weather. 

Fallen trees

If a storm topples a large tree in your yard, you may need help paying for the cost of removal and/or repairing any damage the tree caused upon its descent. A good homeowners insurance policy will typically protect your home and other accompanying structures, such as a fence or shed. However, this type of insurance is typically specific to the situation, and it is important to review the covered perils in your insurance policy. 

Lightning Strikes Standard homeowners and business insurance policies typically cover damages resulting from lightning strikes. This includes fires and damages caused by power surges. 

Flood Insurance

This helps cover physical damage to your home and belongings from floods or related losses from rising water. The financial burden of a flooded home can be catastrophic--just one inch of water in a home can cost in upwards of $25,000. Rather than pay out of pocket or take out loans to cover your expenses, flood insurance can help make the recovery process quicker and less costly.