Take Steps To Protect Your Home or Business During Hurricane Season

Take Steps To Protect Your Home or Business During Hurricane Season: Every year, hurricane season occurs from June 1 to November 30. Instead of waiting until after experiencing a loss, review your homeowners or renters insurance policies now to ensure you have the appropriate coverage in case a destructive storm strikes.

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Typical homeowners insurance protects the structure of your home against disasters like hurricanes and windstorms, as well as various other calamities. It's crucial to comprehend the factors that could influence your insurance compensation following a hurricane and adjust your policies as needed.

Review your homeowners policy limit to ensure it covers the cost of rebuilding your home – Rebuilding or significantly repairing a home depends on various factors, and keep in mind that the real estate value of a house is not equivalent to the rebuilding cost. Thus, it's beneficial to thoroughly understand the expenses involved in rebuilding if your home is severely damaged or destroyed and confirm that your insurance will cover that amount.

Comprehend your hurricane/windstorm deductible – In all coastal states from Maine to Texas, insurers incorporate distinct deductibles for hurricanes and/or windstorms in their homeowners policies, which are listed on the Declarations (front) page of your homeowners policy.

The Shelley Group, Inc. will assess the damage to your home or business property to help determine the scope of repairs and estimate the replacement value for those repairs.