Protecting your Home from Storms

8/25/2021 (Permalink)

One of the most expensive things you will ever own is your home. Keeping up with maintenance is usually easier said than done and can be difficult to plan on at times. Storms are one of many things that can throw a wrench in your plans.

The first thing I always tell my friends is to make sure that their insurance covers all that they think it does. Did you know that water that enters your home from the bottom up (flooding) isn’t covered by homeowners insurance? You can usually get coverage for it but it doesn't come standard usually. For people living on flood plains, adding flood insurance is common practice. Most people don't know  that neither flood insurance nor a homeowner’s policy covers sump pump failure though.

Avoid the stress associated with sewer back-ups, seepage issues or flood waters by purchasing targeted pump failure insurance coverage. I've seen people taken by complete surprise that they don't have the coverage that they thought they did.

So one the best things you can do might not be what you thought to protect your house. Having a conversation with your insurance agent is one of the Best. Know what coverage you have and don't have so your not  taken by surprise when a storm comes into your life.