Know Your Insurance Policy

Picture of sun breaking through clouds after storm. The words Know Your Insurance Policy and Storm Guard are on a red banner going across the middle of the image.

We’ve mentioned insurance policies several times over the last few weeks of Hurricane Season tips and there’s a reason for that. You never know when you’ll need to make a claim. Hurricanes can cause incredible amounts of damage to your home or office building and knowing your policy could save you money in repairs.

Here are some key things to look for when reviewing your insurance policy.

Know your Deductible

Everyone needs to pay as much attention to the deductible as they do the premium. Spending an extra $20 a month for a lower deductible could save you hundreds in the event of a bad storm.

It is also important to look at the different deductibles on your homeowner’s policy. Damage from a named storm (hurricane or tropical storm) has a higher deductible than a regular storm.

Keep a record of past damage and repairs

The higher deductible is important to keep in mind. Getting your home inspected and cataloging the damage or issues that come up is important to determine if damage found after a named storm is or is not from that storm.

Insurance companies may try to claim storm damage is just traditional wear and tear on a roof.

At Storm Guard, we can help avoid this and work with the insurance company for you. We offer free roof inspections and will help with your claim so you can get through the process as stress-free as possible.

We can also come back after a big storm to inspect for roofing damage. Proving that there was no damage before a storm and then showing there is damage afterward helps your claim get approved.

Understand different insurance plans

Normal homeowner’s insurance doesn’t cover flooding or rising water. If you live in a flood zone you’ll have to purchase flood insurance but if you don’t live in a flood zone getting flood insurance could still be a wise investment. The insurance premium would be low and give you peace of mind during a storm.

Ask for Advice

If you have any questions, calling your agent for clarification should be helpful. There are parts of an insurance plan or policy that can get confusing. If they cannot explain or are difficult to reach, search for answers on the internet or through other people who have dealt with storm damage.

Gaining information from others who have experience working with insurance companies on claims is helpful. People with that experience can also help you understand if a different provider might be good to switch to so the claim process is easier. It all depends on your personal preference.

If you get an aforementioned free roof inspection from Storm Guard, we can also help you navigate the confusing world of insurance claims. Our staff will work on your behalf to ensure you make it through the claims process smoothly. Contact us today to set up your free roof inspection and keep you and your family safe during Hurricane Season.