Weather extremes can inflict severe damage to your home. In these kinds of situations, it pays to know about your insurance coverage. Many times, people fail to review their policy until the time they need to file a claim or when it’s too late.
Learn the basics of hurricane damage coverage from one of the area’s best roofing companies.
Homeowners Insurance Has Four Basic Categories
Generally, the typical homeowner’s policy provides coverage for the structure of your home, detached units, personal property, and living expenses. Many insurance companies provide property coverage of between 50 to 70 percent of your home’s insured value. You can consult your insurance agent if you need more coverage or wish to lessen it.
It’s also important to know your coverage for living expenses because you may need to relocate if your home sustained serious damage. This coverage will pay for your hotel or other living arrangements while your home is being repaired. Moreover, during a calamity, you must hire a reputable contractor to fix your home. Always do your research before trusting anyone to work on your property and make sure they have valid licenses and insurance. Feedback from past customers is always helpful. For instance, your roof has been damaged, you can search “roofing contractors near me reviews” online.
You Need to Purchase Flood Insurance Separately
Standard homeowner’s policies don’t usually cover flooding even if it’s caused by a hurricane. Those who are located in a federal flood zone likely had to get flood insurance when they purchased their home. If you live in an area that’s prone to flooding, it’s best to invest in flood insurance.
Always Know What’s Not Included in Your Policy
You shouldn’t only pay attention to what your policy covers but also to what it doesn’t. Most items that standard policies don’t cover include floods, earthquakes, damage due to lack of maintenance, and sewer backup.
Choose a reliable roofer for your residential roofing needs like Turner Home Improvement. Give us a call at (860) 633-1400 or fill out our contact form to get a free estimate. We serve homeowners around CT.
