When it comes to natural disasters, they can cause costly damage to your home–damage that you probably can’t afford to repair out-of-pocket. Homeowners insurance typically covers damage to your home caused by things that are out of your control, such as theft, vandalism, lightning, fire, hail, and more. However, most insurance plans do not automatically cover other natural disasters like earthquakes, hurricanes, and floods.
It’s important to find out which types of natural disasters your specific insurance plan covers, and then purchase additional insurance where necessary. If you live somewhere that is prone to earthquakes, then you will want to get covered for this type of natural disaster. If you live near the coast, then you’ll want to get flood insurance. To get flood insurance, one must apply through the government’s National Flood Insurance Program (NFIP). However, not everyone can purchase flood insurance.
Sinkholes and landslides are not usually covered because anything related with ground movement (see: earthquakes) are not covered. Separate insurance will need to be purchased if you live somewhere that is prone to landslides or earthquakes.
Most policies will cover “wind damage”, including hurricanes and tornadoes, and even the flooding or water damage that may come with these storms. However, if you live in an area that is more susceptible to these types of storms, then your policy may exclude damages such as flooding from a hurricane. If you live on the coast, it is a good idea to purchase flood insurance to ensure that you are covered no matter what causes the flood.
If a tree falls on your home, the cause of the fall is what will determine whether or not it is covered by insurance. If it was due to the wind or lightning of a bad storm, it will typically be covered. However, if it falls due to negligence–it has been rotting in your back yard for years and you have done nothing to remove it–then it is not likely that your policy will cover the damage done by the tree.
Some additions to your home, such as pools and Jacuzzi tubs, may require additional insurance to protect against natural disasters. These are called insurance riders. Many policies will not include these additions to your property when it comes to storm damage.
If disaster does strike, be sure to take photos of all of the damage and make a list of everything that has been damaged. This will make the claim filing process go by a lot more smoothly.
If your roof has been damaged by a storm or other natural disaster, it is important to ensure that it is fixed properly. A shoddy roof job can only lead to more roof issues in the future. All Weather Tite is here to provide you with quality, insured roof repair and other home repair services so that you don’t have to worry about the safety of your home.