Severe weather due to climate change is becoming outrageous. Record winter weather with ice and snow is showing up in early November, six weeks before winter is supposed to officially start. It is a good time to get a home insurance review with your agent at Don Allred Insurance serving Burlington, NC and the surrounding towns, to make sure there is proper home insurance.
Take these severe weather changes seriously because they are likely to get worse. You want to make sure you have adequate insurance. Discuss replacement cost coverage with your agent if you do not already have this protection because the majority of homes are not properly insured for replacement value.
Thunderstorms and Storm Surge
Heavy rainfall that comes down so quickly can easily overload the terrain. There is just nowhere the water can go and the land cannot absorb it quickly enough. When riverbanks overflow, the water can fill the streets and cause mudslides.
Just a few inches of water that enters a house can cause severe damage. Be sure to discuss with your agent the need for an additional policy to protect your home from flood damage because that is usually not included in basic home insurance.
High Winds and Tornadoes
Storms bring wind. Wind causes more damage. Much of the wind damage is to roofs and things that can be blown away or blown down. Trees can fall over and crush anything below. Electrical wires on power poles can snap and live electricity can still run through them, potentially being a source of electrocution.
Other dangerous things that happen are items that are picked up by a tornado become projectiles. They are thrown at such high speeds that it is like they are shot from a cannon. Tree branches and fence posts can fly through house walls.
These are just a few of the considerations for insuring a home in North Carolina. When thinking about getting a new home insurance policy, or to check your existing coverage, contact your agent at Don Allred Insurance in Burlington, NC to get an insurance review and a quote.