What You Should Know about Home Insurance and Hurricanes

Does a Home Policy Protect my House from Hurricanes?

North Carolina has to deal with hurricanes from time to time, and there are certain things you should know about your home insurance.

Floods Aren’t Covered: If the damage your home gets is from flooding, which is defined as a body of water overflowing, such as during a storm surge, then it’s not going to be covered by home insurance. However, if the water damage your home incurs is caused by wind, such as wind-driven rain that comes in through the roof or windows, then that may be covered.

You Could Have a Higher Deductible for Hurricane Coverage: It’s always a good idea to read your policy closely or speak with an agent at Griffin Insurance Agency in Mooresville, NC to see if damage from hurricanes requires an additional deductible.

There Are Rules for Fallen Trees: If your home is spared, you may still have damage from trees that fell. If your tree damages your neighbor’s property, then he or she could file a claim with his or her insurance company, which will usually pay to fix any damages. If a tree falls but doesn’t damage anything, then you have to check with your insurance company to see what they will pay for clean up, which can range from nothing to $1,000.

Insurance Can Pay for Living Expenses While Out of Home: Depending on your policy, you may be able to get coverage for additional living expenses while out of your home. Keep receipts for reimbursement.

Contact Your Insurance Company in North Carolina Right Away

Many insurance companies will want you to make some temporary fixes, such as adding a tarp, in order to prevent any further damage from happening. However, take pictures before you make any fixes and keep the receipts for any supplies you purchase since you could be reimbursed.

Contact Griffin Insurance Agency in Mooresville, NC to get a quote on home insurance.