You Can’t Predict the Weather.
But you can be sure that extreme weather affects homes all over, and leads to millions of dollars in damages each year. There are ways you can be prepared, and ensure your family is safe and your possessions are secured.
As a homeowner, you are constantly at risk of weather damage to your home and other possessions. Even if you have insurance, weather damage can still be a major financial burden. A hurricane can cause a great deal of damage to a home. The high winds and rain can ruin the roof, windows, and siding on a house. Flooding can also damage a home, and often times it is difficult for homeowners to know how to protect their property from these types of natural disasters. In this blog post, we will discuss some preventative measures that you can take to protect your home from hurricanes, windstorms, and flooding. Overall losses from natural catastrophes in 2020 totaled $210 billion dollars globally, a significantly higher number than the $166 billion lost in 2019. If you are a homeowner, make sure you are aware of the weather-related threats in your area and take steps to protect your home and possessions. In this blog post, we will discuss hurricanes, windstorms, and flooding in detail so that you know how to prepare for each type of extreme weather event.
Extreme Weather & Windstorm Damage
When extreme weather hits, it can cause a lot of damage.
Some homeowners insurance policies will cover damage caused by extreme weather, but there are some that will not. It is important to read your policy carefully and make sure that you are aware of what is and is not covered. If you are not sure, you can always contact your insurance company and ask.
Also keep in mind that windstorm deductible clauses are becoming more common in New Jersey. This means that if your home is damaged by a windstorm, you will have to pay a deductible before your insurance company will pay for the damages. The amount of the deductible can vary, so again, it is important to know what you would be responsible for if you had to make a claim.
Windstorms can also cause damage to homes and other structures. High winds can topple trees and power lines, and flying debris can break windows and damage siding. If any of these things happen, it is important to know that not all insurance policies will cover the damages. To protect your home from windstorm damage, you should secure any loose items around your property and make sure that all of the doors and windows are closed and locked. It is also a good idea to have insurance coverage in case your home is damaged by high winds.
Hurricane Season in New Jersey
A hurricane is a type of tropical cyclone that typically forms over the Atlantic Ocean. hurricanes usually form between June and November, with the peak season being from August to October.
Hurricanes are destructive storms that can cause a great deal of damage to homes and other structures. The National Hurricane Center is predicting that this hurricane season will be a busy one. Are you prepared? If not, now is the time to get started! Many people don’t realize that hurricane damage is not always covered in a standard homeowners insurance policy.
What is hurricane insurance?
Hurricane insurance is a type of insurance that specifically covers damage caused by hurricanes. It is important to note that hurricane insurance is not the same as flood insurance. Flood insurance must be purchased separately and it will not always cover damage caused by high winds or rain.
What does hurricane insurance cover?
Hurricane insurance can cover damage to your home and possessions caused by hurricane force winds, rain, and flooding. It is important to remember that hurricane insurance does not cover damage caused by high winds or rain from a thunderstorm – this type of damage is typically covered by your standard homeowners insurance policy.
How can I help prevent hurricane damage to my home?
In order to protect your home from hurricane damage, it is important to take some preventative measures. First, you should make sure that your home is in good repair and that all of the doors and windows are secure.
There are some steps you can take to help prevent hurricane damage to your home:
- Install hurricane shutters or impact-resistant windows
- Trim trees and bushes around your home
- Secure outdoor furniture and other loose items
- Make sure your gutters are clean and in good condition
- If you live in a hurricane zone, have a generator on hand in case of power outages
Hurricane season is here – are you prepared? If not, now is the time to get started. hurricane insurance can help protect your home and possessions in the event of hurricane damage. Stay safe this hurricane season!
Flood Insurance and Damage Down to Your Home
The Ins and Outs of Flooding and Your Safety
In New Jersey, not only is coastal flooding an issue, but flooding throughout the state has been known to occur and not just for high risk zones. Almost 40 percent of NFIP flood insurance claims from 2015-2019 came from properties outside of high-risk zones.
Most home owners believe that their home insurance policy will cover them from flood damage. However, this is often not the case. Floods are a common natural disaster, and they can cause a lot of damage to your home. In order to make sure that your home is fully protected in the event of a flood, it is important to get a separate flood insurance policy.
Flooding can also damage homes and other structures. Flood waters can ruin floors, walls, and furniture, and mold can grow in wet areas. To protect your home from flooding, you should make sure that your gutters are clean and that any drainage ditches around your property are clear. You should also have insurance coverage in case your home is damaged by flood waters.
According to FEMA, every inch of water that comes in to your home due to flooding, can cost $25,000 in damage to your home. Flood insurance is important because it will cover the damages that your home owner’s insurance policy may not cover. Flooding is the number one natural disaster in the United States, so it is important to be prepared.
There are two types of flood insurance: building property coverage and personal property coverage. Building property coverage will cover the structure of your home, while personal property coverage will cover your belongings inside of your home.
No one wants to think about their home being damaged by a flood. However, it is important to be prepared in the event that it does happen. Flood insurance will help to protect your home and give you peace of mind in knowing that your home is covered.
Things to keep in mind when preparing your home for the possibility of a flood:
- Elevate your electric panels, water heaters, washers, and dryers to at least 12 inches above the base flood elevation in your area
- Install “check valves” to prevent floodwater from backing up into sewage drains
- Seal wall cracks and openings around pipes with waterproofing compound
- Cover windows and doors with plywood or hurricane shutters
- Move valuables and important documents to a safe, high place
If you live in an area that is at risk for flooding, it is important to take the necessary steps to protect your home. Flood insurance will help to cover the damages caused by a flood, and taking precautions to prepare your home will help to minimize the damage that a flood can cause. Don’t wait until it’s too late- be prepared and get flood insurance for your home today.
Taking some simple preventative measures can help to protect your home from hurricanes, windstorms, and flooding. However, it is also important to have insurance coverage in case your property is damaged by one of these events. Talking to a professional insurance agent about the different types of coverage available can help you to choose the right policy for your needs. Having insurance coverage will give you peace of mind in knowing that your home and possessions are protected in case of extreme weather.