It’s April and rest assured May flowers are expected real soon. With showers, when there are May Flowers, there are also a stream of ruthless weather hazards that may cause damage to your home sweet home. As per the updates of NWS i.e. National Weather Service, the damage caused by thunderstorms and cloud bursts to properties is approximately $ 1 billion, each year. This must definitely be
alarming for you. It’s about time that you go through your home insurance policy and learn what falls under the coverage plan.
Homeowners who are smart and know how to manage things always get prepared for severe weather and are proactive about it. Reviewing home insurance coverage prior to an incident is much more advantageous than following up after the fact. It is important to understand what is covered by your insurance policy because there are different types of policies offered to homeowners. These may differ or include the following:
a – Lightning damage
b – Hail damage and
c – Wind damage
Get A Policy For Flood Damage:
When April showers start, one can expect flood. Home Insurance does not offer coverage protecting homeowners from damage caused by flood. Flood Insurance Coverage is available as an additional policy from the NFIP (National Flood Insurance Program), division of FEMA.
Protect Your Home From The Storms:
If you want your home to be safe from spring storms, you may wish to take interest in the following pointers:
a – It is always suggested to trim down trees and get rid of loose and dead branches, before a storm.
b – Garbage and trash should be cleared out from the gutters in order to let water flow free from blockage. This helps in preventing water damage that can be expensive.
c – The condition of weather stripping on windows and doors should be checked annually. Changing weather stripping is a very inexpensive option. This will result in lowering heating and cooling costs as well as preventing water and humidity from entering the home.
d – It is recommended to review a “Disaster Guide” for techniques and ways on dealing with natural disasters like lightning, tornadoes and rain storms.
With the help of the above mentioned points, it will become easier for you to save yourself from the damages that might be caused to your home. Being proactive always has its perks.
What else you need to do additionally?
Always remember to review and evaluate the damage caused to the property and then all you need to do is report the details to the insurance carrier. The best way to do that is taking photos of the damaged property, creating a detailed and itemized statement and contact the Emergency Claims telephone number on your Insurance Declarations Page.