When a hurricane hits, the damage can be devastating. If your home is in the path of a hurricane, it’s essential to know if your home insurance will cover the damage. Here’s everything you need to know about home insurance and hurricane damage in Jasper, AL.
What Does Home Insurance Cover?
Home insurance typically covers damage caused by fire, wind, hail, lightning, and theft. However, coverage varies from policy to policy, so it’s essential to read your policy carefully and know what is and isn’t covered.
For example, most home insurance policies don’t cover damage caused by flooding, so if you live in an area prone to flooding, you’ll need to purchase separate flood insurance. Your Harris Insurance agent can help you determine your coverage types.
What About Hurricane Damage?
Home insurance if wind typically covers hurricane damage or rain causes the damage. However, as with any other type of natural disaster, it’s important to read your policy carefully to see what is and isn’t covered. A Harris Insurance agent can help you understand your policy and what it covers.
How to Prepare for Hurricane Season
If you live in an area susceptible to hurricanes, there are a few things you can do to prepare.
First, make sure you have an adequate insurance policy in place. Standard home insurance policies cover wind and general storm damage, but in Alabama, you may need a separate policy because the area is prone to hurricanes.
You should also create an emergency kit and have a plan in place in case you need to evacuate. Your emergency kit should include food, water, a first-aid kit, and essential documents.
You should also make sure your home is prepared for a hurricane. This includes trimming trees and shrubs, securing loose items, and reinforcing doors and windows.
Give Us A Call
By taking these steps, you can help protect your home and belongings in the event of a hurricane. To learn more about protecting your home with insurance in Jasper, AL, contact Harris Insurance.