The inclement weather presents multiple challenges and potential risks to your property. Heavy snowfall can lead to slippery roads. High winds can cause power outages. Ice-covered trees can cause property damage. Keeping track of these potential damages can make it difficult to figure out the damages that are covered under your home insurance policy.
Here is a homeowners insurance guide regarding covered damages.
Severe Weather
You have to prepare for the potential of severe weather. Lightning can cause damage to your property, such as damaging a tree and causing it to tip over on your property. Windstorms and hail can damage the windows and foundation of your home. Any outdoor items that you have are also at risk of being damaged. Heavy ice, sleet, and snow can fall off your roof and potentially damage your neighbor’s property. It may also cause the roof of your home to collapse.
Another potential disaster is an accidental fire. Under the terms of your home insurance, all your personal items are covered if they are damaged. If your home suffers severe damage and needs to be repaired, you can amend your policy to include temporary lodging coverage. Temporary lodging coverage takes care of your expenses as you seek alternative lodging elsewhere until your home is repaired.
HVAC System
Your HVAC system is important as it helps control the temperature around your home. Damage to your HVAC system can cause problems all over your home. You are covered if your HVAC system suffers damage. You are also covered if your plumbing system malfunctions. In the event of an explosion, you are covered while you figure out your next move.
Things to Consider
There are a few things that you need to consider regarding homeowners insurance. Remember that your policy will primarily cover the interior and exterior of your property, as well as your personal belongings. Keep in mind that you’ll have to amend your policy to provide coverage to additional structures on your property, such as your garage or patio.
It’s also important that you perform proper maintenance on your home. If parts of your home start to erode because of negligence, they may not be covered under your insurance until repairs are made. You are obligated to take care of your property. Once your home has been repaired, you are obligated to take care of your property so that there won’t be any more potential losses.
Look over your policy carefully to see which disasters are covered. Also, be sure to check your deductible. The deductible outlines how much money you’ll have to pay towards the damages before your home insurance coverage kicks in.
You must be aware of potential losses that your homeowners insurance policy covers. This will potentially help you save money in the long run. For assistance with all your home insurance needs, contact the experts at Pierce Insurance Group today. We are ready to help you with all your coverage needs and questions.