Understanding the Risks of Storm Damage and Insurance Coverage
With warmer weather comes the increased risk of volatile storms and damage from high winds and heavy rains. The savvy homeowner may invest in a hurricane and flood insurance policy, knowing the potential disasters related to severe weather.
- Sewer backup
- Mold growth
- Roof damage
- Other property and structural issues
However, not every flood claim is equal, and not all damage caused by strong winds is covered under storm insurance. Therefore, make sure your policy protects you against typical storm damages in your area.
Increasing Water Levels
A typical homeowner's insurance plan will probably not cover flooding related to storms. You will need a specific policy for flood damage and loss. However, these plans are not necessary for every area or region. To verify whether such a policy is needed or required, you can check the flood zones in your city.
High winds and storm surges can lead to significant structural issues. The winds can lead to damaged rooflines, and the swelling waters can weaken foundations. In either case, your property may become vulnerable to mold growth due to increased moisture and humidity.
Loss of Personal Property
While you may do everything right to prepare for an incoming storm, like install storm shutters and set up sandbags, you can still be vulnerable to property loss. For instance, the winds tear away at portions of your roof and the rain destroys family photos, clothing and other items stored in the attic. Thankfully, in this situation, a standard homeowner's policy should have you covered.
Whether a flood or other severe weather hit you, you will need assistance cleaning up the damage. An emergency remediation service in the Cordova, TN, area can help by mitigating further loss by putting up shutters and tarps around the property, and they can act as a middleman between you and your insurer, making sure you get what you're owed.
While a homeowner's policy typically covers standard weather patterns and the risks involved, there are certain areas more prone to flooding and severe weather which require specific policy upgrades. Make sure you have coverage for structure, water, wind and property loss.