When severe weather hits and your home is damaged by a storm, weather is the last thing you want to worry about. The best time to be concerned about your insurance policy is before you’re looking at damage and calling your insurance agent to file a claim.
But that’s not always possible. Sometimes you just don’t know exactly what your homeowner’s insurance policy covers until you’re forced to research it after the damage has been done.
The best way to tell if your insurance policy covers wind damage in Burlington, North Carolina is to either read over your policy or call and talk to your insurance agent. Because every policy is different, double-checking on your particular policy is the only way to find out for sure.
The good news? According to StormDamageCenter.org, most homeowner’s insurance policies do cover damages caused by storms, including hail, lightning, wind, and fallen objects–up to certain limits. But if a building on your property other than your home was damaged–like a carport or shed–your situation might have just become a bit more complicated.
Depending on your policy, your deductible might actually be higher than the cost of the damages themselves. Whether you’re reading this because your home has already been damaged by stormy weather or because you’re trying to stay ahead of the game, it can’t hurt to assess your existing insurance policy and compare quotes to see if you could get a better deal for the right plan.
Contact us at Don Allred Insurance and talk to an independent agent about the types of policies that are right for you. We’ll be able to ask specific questions about your home so we can recommend a policy that won’t leave you in a bind after a storm or other disaster strikes.