How Weather Damage Relates to Your Home Insurance Policy

Weather damage can lead to significant home repair costs. If the rising costs of materials and goods needed for such work are unaffordable, having sufficient insurance protection becomes crucial. Learn how weather damage relates to your home insurance policy and the coverage it offers.

Protection

Your existing homeowner’s insurance policy may not offer adequate coverage. Reviewing your insurance documents will allow you to determine what type of coverage is lacking.

Compare the cost of repairing or rebuilding your home with the amount of coverage you have. This initial step will help you decide if you need additional protection.

Weather

Examine the weather patterns in your area. They could indicate that your home is ill-prepared for a natural disaster.Extreme weather conditions such as high winds, heavy rain, and drastic temperature changes could potentially damage the materials your home is constructed from.

Add-Ons

A standard insurance policy may not provide protection against all the weather perils you face. For instance, if you live in a region where flooding is likely, flood protection may not be included in your existing policy, requiring you to obtain it separately.

It is prudent to explore all the add-ons that you qualify for. After researching the available coverage types, select the ones that offer the level of protection your home and property need.

Agent Assistance

Now that you’ve considered how weather affects your home insurance policy, you may be ready to update it. Feel free to contact one of our Old Pueblo Insurance agents. An agent who serves the Oro Valley, AZ region will be more than happy to assist you.