Are You Covered for Storm Damage?
Does your homeowner’s policy cover potential damages from flooding, or do you need dedicated flood insurance? While your average policy may cover you in the event of high winds causing broken windows and roof damage, the number of insurers covering natural floods on typical homeowner’s policies is few and far between, meaning that storm damages caused by a natural flood are not protected against. Therefore, before making a flood claim or choosing a more specific policy, it is necessary to understand storm damages.
Basic Weather Losses
The way insurers protect people and their property is by putting together universal policies, which means that they present standard homeowners policies that cover weather events that most of the population experience. Therefore, an insurance claim on a standard policy for wind damage will probably be accepted while property loss caused by a flood typically won't be. To understand this level of decision-making, consider standard homeowner plans as coverage for basic weather losses, like wind.
Rare Weather Losses
A flood claim is not standard, and therefore, it requires a special policy. While there are parts of the country that experience annual flooding, most of the country does not, making this weather phenomena rare in the eyes of insurance providers.
While policies will inevitably change, one thing remains the same: the need for emergency remediation services in the Woodinville, WA, area. Whether or not you have adequate insurance, you will need the help of qualified professionals to restore your property after a disaster strikes.
Granted, insurance helps to reduce the costs of restoration, but it is needed regardless of coverage.
With the proper coverage, a flood claim does not have to be complicated. However, if you do not have flood insurance, then an insurer will likely pick your claim apart to reduce their liability. If you are concerned about potential flooding, then contact your insurance company and make sure you are covered.