In 2018, hurricanes Florence and Michael struck the United States. Hurricanes bring a number of high-risk scenarios to property owners. The wind causes roofs to tear off. The rain can flood homes. They can spur tornadoes. In some cases, the damage can be so severe that the home is a total loss.
There is no doubt these storms are incredibly forceful. There is no prevention for them. Yet, home insurance can help.
The Damage Can Be Significant
Some hurricanes never create a significant amount of on-land damage. Yet, hurricanes that reach Category 3, 4, and 5 strength can cause incredible financial loss and devastation. Moody's Analytics estimates that Hurricane Florence created about $17 billion worth of loss. Hurricane Michael is predicted to have caused $25 billion in damage.
The risk is there. Any home near any coast can suffer damage from these incredible storms.
Homeowners Insurance Can Help
Homeowners can take action to minimize loss. Ensuring a home has window protection and wind resistant roofing is one option. It also helps to elevate homes off the ground. Yet, in a Category 5 hurricane, even these measures may not help. This is why home insurance is so important.
- The right policy can pay out enough to cover damage to roofs, siding, and windows.
- Coverage may help with some flooding losses. However, widespread flooding often requires flood insurance.
- Home insurance can help cover the cost of cleanup and hauling away debris.
- It may help to replace the contents of a home lost as a result of a hurricane.
- Insurance provides help so you can pay for another place to live while repairs occur.
Customize your plan to meet your risks. Be sure your policy is up to date.
Without home insurance, homeowners may have to pay out-of-pocket for these losses. Yet, it is important to check your plan. Be sure it covers hurricane damage. Hurricane damage might require special notations in your policy. Verify the amount of coverage you have. Be sure it offers enough contents coverage. Take every step possible to minimize damage.
Furthermore, prepare to evacuate. Most importantly, work with your insurer to file claims. Many homeowners can get financial support to make repairs and rebuild.
Need homeowners insurance? Contact R.V. Johnson Insurance for a fast, free policy quote.