Hurricanes are very powerful natural disasters that can devastate your home and property. For the majority of people, your home is where your money is, and is probably the investment of most value that you have. This is why you need to anticipate different types of risks to your home and protect it with insurance. While most homeowners have house insurance, your homeowner’s insurance policy may not necessarily protect your property assets in the case of a hurricane. Even the best home insurance tends to not cover every kind of hurricane damage. If you live in hurricane-prone areas such as Florida, it’s essential to look over your homeowner’s policy and figure out what kind of hurricane insurance you still need to purchase in order to be proactive and protect your property. If you have hurricane insurance and are looking to receive the full value of your hurricane insurance claims, you may need a public claims adjuster. Call Mutual Claims Services in Miami today to receive the insurance compensation you deserve.
What To Look For in Hurricane Insurance
Even comprehensive home insurance tends to not pay for every single category of hurricane territory. This is why you need to look over your policy and figure out what the right hurricane insurance is for you. You may need to be proactive and protect your property so that in the case of property damage and loss in a hurricane, you can file hurricane insurance claims in the future. Hurricanes create two major types of damage: water and wind. Depending on the area you reside in and the type of policy you have, you may need to purchase these separate policies in addition to your regular homeowner’s insurance in order to protect financially against hurricane damage. Firstly, you should check if you have flood insurance. No homeowner’s insurance will fully cover floods, and this includes water from a storm surge. Hurricanes can bring major flooding, so you should make sure to get flood insurance for coverage against the damage incurred. Windstorm insurance is also important to have, as winds are the second component of hurricane damage. High-speed winds can seriously damage your property, and homeowner’s insurance policies in several hurricane-prone states will not cover windstorm damage. Check to see if you reside in one of these states, as if you want coverage, you will need to purchase a separate windstorm insurance policy.
What Your House Insurance Doesn’t Cover
Your homeowners insurance policy will not cover the flood damage a hurricane causes. This means that you will need to buy flood insurance separately through a policy such as the National Flood Insurance Program. Most major insurers also provide flood insurance, so you can probably purchase it from your home insurance agent. Most states cover damage caused by wind, but in high-risk states such as Florida this is not the case, and you will need to purchase it separately through your insurance company or a state-run insurance pool. This type of insurance will cover damage from any sort of high wind, not just wind damage from hurricanes.
Contact Us Today
Hurricanes can cause serious damage to your property that a typical house insurance policy will not cover. Protect your property from hurricanes by making sure that you have the appropriate coverage. If you need help adjusting hurricane insurance claims, call Mutual Claims Services today for the insurance compensation you deserve.