Strong wind gusts can be damaging to your home. Wind can blow shingles and tiles off of a roof, pull siding from your home or blow fences and trees over. Following storms that bring along heavy wind gusts, we at Don Allred Insurance, serving the greater Burlington, NC area are often asked if home insurance covers wind damage. Read on to find out the answer to this question.
Home insurance may cover wind damage. Unfortunately, the answer varies based on your exact policy and why the wind is gusting.
When you are purchasing a home insurance policy, always take the time to read through the exclusion list. Some policies do exclude wind gusts and some policies exclude hurricane coverage. If the wind damage was caused by a hurricane and your policy excludes hurricanes, the damage would not be covered.
Taking the time to sit down with an insurance agent and to carefully go over any exclusions before buying a policy is the best way to understand the policy you are purchasing before you purchase it. This helps to ensure you understand what is and is not covered by a policy and that there are no surprises later on down the road.
It is important to have the right home insurance policy in place to cover your home from a variety of weather elements, including wind and hurricane damage. Here at Don Allred Insurance, serving the greater Burlington, NC area, we are committed to helping you find the right policy for your needs. Contact us today and let us help you find the right home insurance policy for your needs.
The teen years are an exciting and stressful time in a parent’s life. In addition to all of the new emotional issues you are getting to face with your teen, there are also several practical issues you will need to address. One of these issues is car insurance. Your car insurance will change now that you have a teen driver in your home. Find out which changes you can expect.
Expect a Rate Increase
Adding a teen driver will increase your rates to some degree. The reason for this is because a teen driver is just a bigger risk, period. There is no way to get around this. You are going to be required to invest more in insurance while your teen is living at home and driving. Rather than get angry or frustrated about this, try to remember that this is a learning experience for your child just like everything else. This is also temporary.
Set Harsh Consequences for Driving Violations
Your teen should understand that their driving behavior will affect your insurance rates. Speeding tickets, accident and other issues will have a direct result on your rate. Set harsh consequences in place when your teen has a violation. This will help your teen take this seriously.
Prepare for Good Driving
Make sure that your teen is well prepared for driving. A thorough driver’s education course is the best way to ensure that your teen knows the best practices when it comes to driving. If your teen’s school does not offer driver’s education at school, then you will want to invest the money in the course. It will be well worth it in the long run.
Look for Discounts
Some insurance companies do offer discounts for good grades. Learn about these programs so that you can take advantage of those.
If you would like to learn more about insuring teen drivers, contact Don Allred Insurance serving Burlington, NC.