Klamath Insurance Center, Inc Blog
Homeowners residing in the Eastern Seaboard of the United States, especially those in the coastal areas, are highly vulnerable to hurricanes' destructive power. Annually, most of the states near the Gulf of Mexico get lashed by several storms. Hence, making homeowners at risk of having their homes damaged by hurricanes.
The 2020 hurricane season is a record-tying season because of the above-average number of storms developed from the Atlantic Ocean. Climate scientists predicted that this might become the new normal as the world gets warmer due to climate change. Hence, getting home insurance is a must-have for people residing in the coastal areas.
Here are some tips that residents of coastal areas should consider protecting their homes and their families:
Get Home Insurance Policy Before the Hurricane Season
Suppose your home is in the coastal area or located along the usual path of the hurricane. In that case, it is an excellent option to get your home insurance policy before the start of the hurricane season. Storms making landfall in the United States are a yearly event. It would be best if you prepared before the hurricane season arrives.
Generally, the hurricane season starts by early June and lasts until late November. Thus, you should ensure that before June, you already have active home insurance. Preparation is the key to mitigating the impact of hurricanes on your family.
If you only decided to get home insurance coverage when there is already an upcoming storm, it might be too late for you. Most insurance companies suspend the provision of home insurance policy when the national weather service already issued a warning of an impending hurricane. They will only lift the moratorium after the storm has passed, and, in most cases, it is too late since the storm already left its mark on your house.
Get the Right Coverage
If you are a coastal resident, your home insurance policy will have distinctive features from the standard home insurance policy. You can examine your policy and check your coverage so you can identify the gaps in your plan.
It is essential to ensure that your home insurance policy can cover your expenses after a hurricane or a disaster. After a storm, the costs of construction materials and the demand for contractors might surge. So, it is crucial to consider getting additional coverage to ensure you have enough protection.
Get Flood Insurance
Most coastal areas are more prone to flooding compared to other sites. These places are particularly vulnerable to storm surge during a hurricane. Unfortunately, damages brought by floodwater are not covered by the typical home insurance.
Data showed that floodwater damages could cost you thousands of dollars' worth of house repairs. Paying these expenses out of your pocket could hurt your finances. Thus, it is highly recommended that you get flood insurance to cover damages brought by flooding.
Coastal areas are highly prone to perils brought by hurricanes or flooding. Hence, it is wise to get added home insurance coverage to ensure that your family is protected from natural calamities. You cannot prevent a hurricane from damaging properties, but you can prepare for it by getting home insurance.
At Klamath Insurance Center, Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (541) 882-5555. You can also request a free quote by CLICKING HERE.