Homeowners Insurance Questions

Preparing For Hurricanes

homeins-adin — Wed, 24 Sep 2008 00:21:40 +0000

Hurricane damage would be covered by your homeowners insurance policy but more than likely you would have to pay an enormous deductible. There are many things that even a novice do-it-yourselfer can do to prepare his or her home for the onslaught of an oncoming hurricane.

The video below is filled with good tips for you to follow to get your house ready to withstand hurricane force winds.

Watch Out For Falling Trees

homeins-adin — Wed, 24 Sep 2008 00:18:21 +0000

In a strong storm, it’s not uncommon for trees to come down. If the tree comes down on your house it can cause massive damage. This damage would be covered by your homeowners insurance but I’m sure we would all prefer to avoid such a scenario if at all possible.

Learning to spot subtle clues by looking at your trees (or your neighbors trees) can help you find a potential hazard so that you can take steps to prevent the incredible damage that can be caused by a tree crashing through your home.

Watch the brief video below for some more information.

Preparing For The Possibility Of A Flood

homeins-adin — Wed, 24 Sep 2008 00:15:24 +0000

A standard homeowners insurance policy will not cover floods. If you live in a known flood zone, then obviously you would want to get additional coverage to protect you from flooding.

Even if you live in an area not known for flooding you may still want to consider getting flood insurance. F.E.M.A. records show that 25% of all flood losses occur to people who are at low risk for flooding.

The video below is a news story that goes into a little more detail about flood insurance and determining your level of risk of flooding.

Preparing Your Home For Earthquake

homeins-adin — Wed, 24 Sep 2008 00:12:26 +0000

A standard homeowners insurance policy will not cover earthquakes. If you live in an earthquake prone area you may want to buy additional insurance for earthquake protection.

But even in areas where earthquakes are not common it is still a good idea to prepare for the possibility of an earthquake. Earthquakes have occurred in 39 states and all 50 states have sustained some earthquake damage.

The video below shows you what can happen inside of the house by simulating an earthquake and then gives some simple, inexpensive tips to prepare your home so that you and your family will be safe in the event of an earthquake.

Protect Your Roof From Hail

homeins-adin — Wed, 24 Sep 2008 00:09:31 +0000

If you live in an area that’s prone to hailstorms your roof could sustain a substantial amount of damage in a hail storm where golf ball sized chunks of ice are pummeling your roof.

If your roof is damaged by hail your homeowners insurance would probably cover that but it may not be worth it to make a claim depending on the amount of damage, the cost of your deductible, and the thought of increasing premiums.

The video below will give you some information about protecting your roof in a hailstorm.