Owning a home is a huge responsibility that requires lots of maintenance and care. One of the main things you must be sure to do as a homeowner is to acquire insurance.
Aside from basic homeowners’ insurance, depending on where you live, hurricane insurance might be an absolute as well. If you are looking for quality flood and hurricane insurance, here are some things you should know first.
Be Fully Covered
While virtually every homeowner has insurance, too many people learn the hard way that they were under-covered or not covered at all for floods or hurricanes. When it comes to hurricane and flood protection, you can actually purchase coverage through the NFIP(National Flood Insurance Program). While your property might be fully covered, insuring your home’s contents may require a separate policy.
What is Not Covered
Be mindful that in order to make a legitimate claim, water damage to your home must be from an outside source. This means if you have incurred damage due to a plumbing leak this will more than likely not be covered by your flood insurance. The same thing is true in the case of swimming pools or even small amounts of water as well.
When purchasing hurricane and flood protection, you should know that it does take some time for the policy to go into effect once purchased. Therefore, waiting until the last minute to insure your home can be quite risky, especially if it is during hurricane season.
For more information, visit Flood Avert.