Is a Hurricane covered by Homeowners Insurance?

If you live in an area that is susceptible to hurricanes, you likely have certain emergency plans in place. But to know what type of insurance you may need to provide coverage for the kinds of damages a hurricane can cause, you should analyze the area where you live, the types of damages your home may suffer, the limitations that your policy may have in place and the amount of coverage you want to have. 

At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we show you some things to consider when it comes to hurricanes and insurance owners:

1. Hurricane damage caused by wind: 

Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It's important to read your home insurance policy or contact your insurance agent to learn if and how your home's structure, as well as your belongings, may be covered against a hurricane's winds.

Be sure to review the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.

2. Hurricane damage caused by flood:

Private homeowners insurance policies typically do not cover flood damage. That exclusion also pertains to flooding brought on by or as a result of a hurricane. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program to help cover such damage.

However, if a hurricane's wind damages your roof, and rain gets in as a result, you may find that homeowners insurance offers some protection if your policy includes coverage for wind.

Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: www.go-guardian.com