Fierce winter storms can cause extensive damage to your Monroe, CT home. With home insurance from Fida Insurance Group, you can rest assured that your home and personal effects are protected against severe storms. If you live in an area where storms are prevalent, you should ensure you have adequate protection to meet your needs.
What Aspects of Storm Damage does Home Insurance Cover?
The average home insurance policy covers damage to your home structure and personal belongings due to inclement weather. This includes damage caused by falling trees or debris caused by severe winter storms, heavy rains, hail, winds and tornadoes or fire caused by lightning strikes. The amount of protection should coincide with the value of your property.
Flood protection is generally not covered within a standard home insurance policy. If you live in a flood zone, you should obtain flood insurance to protect your investment.
If storm damage makes your home unsafe to live in, loss of use insurance could cover your living expenses while your home is undergoing repairs. You can discuss this coverage with your insurer to get a better understanding of what it has to offer.
Home Upkeep Essential to Receive Coverage
Home maintenance is essential to getting the storm damage protection you need. If your house is in disrepair or suffers extensive wear and tear, your insurer could refuse your storm damage claim, stating that poor maintenance contributed to the damage. Keeping up with home maintenance to include roof repairs, regular cleaning of gutters and replacement of worn windows and doors reduces the risk of severe storm damage to your home. It also makes it easier to file for a storm damage claim if and when you have need.
For more information on how to obtain the best storm damage protection for your property, contact your Fida Insurance Group agent today.
