If you own your own home, summer can be particularly worrisome, especially when it comes to those seasonal storms. Tornadoes, hurricanes, hail storms, and even floods can wreak havoc on your home. That's why it's crucial that you make sure you're properly protected before the storms start rolling through. That protection includes your homeowner's insurance. Here are four crucial steps you need to take to make sure you, your belongings, and your home are protected from the ravages of summer storms.
Take a Good Inventory of Your Belongings
If you haven't taken a good inventory of your belongings, now's the time to get that taken care of. It's not good enough to have an inventory list that's outdated. After storm damage, you're going to need a current list of all your belongings. To get an accurate account of everything you own, you should start by going into each room and making a detailed list of the contents. It's also a good idea to take several pictures of each room. That way, you can provide documentation to your insurance company.
Have an Audit Done on Your Insurance Coverage
If you don't know what your insurance covers, you might be in for a big surprise when the next storm comes through. Some insurance policies don't cover things like floods or wind damage. In some states, earthquakes aren't covered unless homeowners pay for specific earthquake insurance. To make sure you have the protection you need, be sure to have an audit done of your insurance before disaster strikes. That way, you can make the adjustments you need to ensure that you have the right protection for your home and property.
Understand Your Insurance Deductibles
If you don't understand how the deductibles work for your specific homeowner's policy, you need to sit down with your insurance agent as soon as possible. You might not realize this, but deductibles for some losses can be slightly higher than your normal deductibles. To make sure you're not caught off guard by higher deductibles, be sure you understand your policy.
Monitor the Summer Storm Warnings
If you live in a region that experiences severe weather phenomena during the summer, you can't afford to wait until the last minute to prepare for the next storm. To make sure you have time to prepare your home, and your family, you should be monitoring the weather for storm warnings. Knowing when the next torrential rainstorm is due will give you time to set up the sandbags, which will reduce your risk of flooding.
To learn more, contact a home insurance company in your area.
Share7 April 2021
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