It’s hard to believe, but the beginning of hurricane season is not far away. Now is the time to start looking at your property to determine which actions to take to help mitigate the chance of a loss later.
Here are a few crucial items to consider when assessing your property’s potential hurricane risks to determine if you are adequately insured for the next big storm.
- Deductibles: Your highest priority should be to make sure that you understand your deductibles and how they work. If you haven’t met with your agent in the last two years, I highly suggest meeting with them to complete an insurance review. Claim time is never the time to discover coverages are different than what you thought you had.
- Flood Risk: Even if the map shows your home is not located in a flood zone, it is always prudent to consider carrying this valuable coverage. Home insurance does not cover flood losses.
- Trees: Are there limbs that overhang your house or trees that could potentially fall on your home? Most home policies cover tree damage, but if you carry a high tropical storm deductible the damage may be under the coverage threshold.
- Roof: Check your roof for any missing, curled, or loose shingles. These issues highly increase the chances of water entering your home when heavy rain and high winds mix.