It’s summer time folks, and that means that we’re smack dab in the middle of hurricane season. Furthermore, tomorrow marks the first day of August, and that’s the month with the most hurricanes usually from year to year. That’s why today’s the perfect day to discuss how these dangerous storms can effect your home’s insurance policy.
Now, windstorm damage (that’s the standard damage that hurricanes usually generate) is covered under the vast majority of standard Connecticut homeowners insurance policies. But, say you live on the shoreline where the storms may be more severe, or maybe you have another home in the south, like Florida, then your policy may be slight different, in that you’ll need extra coverage to protect yourself and your home from hurricane damage- simply because the risk is higher.
Also, always remember this one facet of homeowners insurance that many people forget about: flooding. Flood damage is not covered under your home’s policy, that’s why you’ll need a flood-specific policy. Even if you’re covered from hurricane damage, flooding is different. So if your basement floods from a recent storm that’s come through your area, and damaged a significant amount of your belongings, they will not be covered under your home’s policy. If you do have a flood policy, then they will be! So make sure you have one!
The moral of this story is simple: we’re in the midst of the highest risk time for a hurricane. Don’t wait until it’s too late. Act now and check to make sure that 1) your Connecticut homeowners insurance policy has you covered from hurricane damage, and 2) you have flood protection. If you have any questions about either of these topics, or any other insurance- related topics, you know who to call!
-Team Paradiso