What can Your Insurance Cover After a Storm?
In North Texas, sudden storms and unpredictable weather is just a part of life for most residents. Because the Dallas-Fort Worth, TX area is at the southern tip of what is known as “Tornado Alley” there is a risk year after year that a powerful storm could cause damage to communities. Because of this reality, most homeowners throughout the area maintain home insurance policies as a way of protecting themselves and their homes from the risk of damage that these weather events can cause.
As weather patterns continue to change, and seasonal weather becomes harder and harder to predict, the need for insurance on your home is greater than ever before. At Michael Young Roofing, our team has helped residents across North Texas with all kinds of home-related repairs over the years including HVAC problems, roofing concerns, garage door repairs, window replacement and more. To help residents get a better idea about what to expect when the time comes to file an insurance claim after a storm, we’ve put together some important tips on how to handle the process.
Get to Know Your Policy Beforehand
Choosing a good insurance plan for your home is a big deal. While the premiums will certainly increase based on the type of coverages provided and other factors, making sure your home is safe and properly protected from the worst-case scenario can have a big impact on your peace of mind in the long run. Taking the time to familiarize yourself with the details of your insurance policy will make situations where you need a file a claim less frustrating, and less confusing because you will already have a working knowledge of your best course of action based on what happened.
The Types of Weather That May Be Covered
In most standard insurance policies, a variety of weather-related damages will be covered (to varying degrees) so again, it is important to get familiar with the specifics of your own policy so that you are not caught feeling surprised or confused at the worst possible time.
Depending on your insurance plan, weather-related damage coverage may include:
- Hail damage
- Roof damage
- Water damage
- Wind damage
- Sewage-related damage
- Frozen pipes
- Fallen trees
- Ice dams
- Power failures
Not all damage is covered by standard homeowner’s insurance plans, and responsibility is a major concern when it comes to filing a claim. For example, if a tree crosses property boundaries and causes damage, then it is important to work with insurance companies on both sides of the line to determine how best to approach the problem.
Be Aware of Liability
Many homeowners don’t realize that liability is a factor when assessing damage from a storm for insurance purposes. If you don’t maintain your property up to certain standards, then you may be forced into a situation where your insurance company will not support the cost of repairs. This is even more important when it comes to determining responsibility for the damage.
File Claims as Quickly as Possible
Inspecting your home thoroughly after a major storm is an important part of making sure your home is safe and that no damage occurred. Most insurance companies will not support claims if the damage has occurred over time, so thinks like leaks or small cracks that turn into larger concerns because they weren’t taken care of quickly could end up costing you quite a bit of money in the end. Informing your insurance company as soon as possible when storm damage occurs is the best way to be sure that you will have their full support during the repair process.
Work with a Professional to Make Life Simpler
As one of the most accredited contractors throughout the state of Texas, Michael Young Roofing has the knowledge and skills needed to help residents of the Dallas-Fort Worth, TX area with all kinds of insurance claims related to storm damage. With professional guidance, we can help you tackle your claim in the best possible way so you can spend less time worrying about whether or not your specific situation will be covered.
If you’ve recently experienced a situation where a storm has damaged your home, or if you want to learn more about how we can help you file an insurance claim, don’t hesitate to contact us right away so we can get started helping you!