Spring brings warmer weather, but it also brings unpredictable storms that can cause damage to your home. From heavy rains and flooding to strong winds and hail, now is the perfect time to review your home insurance policy and make sure you’re fully protected. A little preparation now can prevent major financial stress later.
Common Coverage Gaps to Watch For
- Wind and Hail Damage – Does your policy include coverage for windstorms and hail? Some policies may have separate deductibles for these events. Reviewing your policy’s wind and hail deductible can help you avoid surprises if a storm hits.
- Flood Insurance – Standard home insurance policies do not cover flood damage. If you live in an area prone to heavy rain or spring flooding, consider adding a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
- Personal Property Coverage – Have you purchased new furniture, electronics, or valuables? Make sure your policy covers their full replacement cost, not just their depreciated value. You may need to add a rider for high-value items like jewelry, art, or collectibles.
- Roof and Exterior Protection – Spring storms can be tough on roofs and siding. Check if your policy covers full replacement or only partial repairs. Some policies require homeowners to meet specific maintenance standards to qualify for full replacement coverage.
Steps to Take Now
- Review your policy’s declarations page to understand what is and isn’t covered.
- Check your home’s current replacement value and ensure your policy aligns with rising construction and labor costs.
- Schedule an insurance review with Professional Insurance Programs to discuss any necessary updates and confirm you have the right protection in place. Our team can be reached at 800-637-4676, info@profinsprog.com or www.insuranceformembers.com.
A little proactive planning now can save you time, money, and stress when severe weather strikes.