How to Know if Wind and Hail Are Included in Your Basic Homeowners Insurance Policy
Homeowners insurance can consist of multifaceted financial protection, potentially rendering monetary aid in response to many unfortunate incidents or unexpected accidents. Severe weather and natural disasters can be particularly problematic, as even the most diligent and handy homeowners are powerless to prevent them. That’s why understanding and maintaining suitable insurance is essential.
Does Standard Home Insurance Cover Hail?
Hail can cause significant damage to your home, including pelting its walls, shattering its windows and cracking its roof. Fortunately, most standard homeowners insurance policies can help pay for damage caused by such precipitation, although you’ll still need to meet your deductible before your carrier will contribute funds.
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What About Windstorms?
Wind-related damage can be a more complicated topic when it comes to homeowners insurance coverage. While such losses are included in standard policies across much of the United States, policyholders in certain parts of the country, such as coastal areas, may need to address more complex coverage needs.
For example, consider potential policy exclusions and insurance needs for those in Mont Belvieu, TX and along the Gulf Coast of the Lone Star State. Given the heightened concern regarding hurricanes and tropical storms, wind coverage must often be purchased separately. Fortunately, the Texas Windstorm Insurance Association can often provide coverage. This is especially important for those in certain areas, such as Chambers County, where many mortgage lenders may mandate windstorm insurance.
How Can I Make Sure I’m Covered Against Wind and Hail?
Consulting with an experienced insurance agent, such as those at American Reliable Insurance Agency, can be an invaluable investment of your time and resources. These knowledgeable professionals can assess your unique circumstances, identify coverage needs and procure optimal policies.
Contact us today to discuss further or compare personalized quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.