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Tips for Homeowners Insurance When Disaster Strikes

3/12/2020

4 Comments

 
Picture
​Disaster can strike anytime. Regardless of the damage, it can still leave you devastated. However, most of these disasters can be covered with the help of an insurance plan. To help you maximize your insurance policy, here are some tips that you can check.
Understand Your Coverage
First, you need to know and understand what your plan includes. The standard homeowner’s policy may not cover losses due to earthquakes, war, power failures, landslides, and inadequate maintenance, to name a few. There are unique plans available that can help cover some of these perils. 

Most regions can include water and wind damage. You may require to pay a higher deductible or need extra coverage if you live in a place that is prone to earthquakes, tornadoes, floods, and hurricanes. Knowing what your insurance plan covers can help you prepare and understand what you can get out of your coverage. 

Avert Common Rebuilding-Fees Mistakes
Homeowners often make this error when it comes to what type of policy they buy, which influences how much they pay in dividends and how much will be covered in their rebuilding fee. 
  • Since land is not customarily damaged, it will help if you compute the money you need to rebuild your house on a lot that you own, instead of basing it on its market value. 
  • It will also help if you seek help from a contractor to help you estimate the total amount in replacing the building before disaster strikes. You can also ask help from your insurance agent, local building associations, and home appraisers for the estimates. Do remember to check if your insurance contains law or ordinance coverage to help in covering the added incidentals in repairing or replacing your house with current building codes. 

Make a Home Record
It will help if you record all of your belongings before a disaster and reassess it with your insurance company to ensure that you are adequately insured. You may also need to increase the cost of the policy to cover the additional fees of replacing materials or add a supplemental plan to help cover losses for individual belongings such as antiques or jewelry. 

Conclusion
It is best that you are ready whenever these calamities strike. That is why buying an insurance plan is beneficial in case these disasters happen. It will also help that you know what your policy covers to assist you when filing a claim. 

At Black And Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE.
4 Comments
Henry Killingsworth link
5/26/2022 01:25:49 pm

I'm glad you mentioned that having a good insurance plan can be beneficial. I would imagine that the area you live in can affect what kind of insurance you need. Consulting with a local insurance agent could be a good thing to do if you are wanting to get the right policies.

Reply
lihabi link
6/27/2022 07:20:15 pm

thanks for the information, very inspiring

Reply
Mia Evans link
10/5/2022 11:58:15 pm

I never took into account the fact that we might need to have a higher deductible when the area we will live in is prone to earthquakes, tornadoes, and hurricanes. I will mention this to my husband because we will surely get insurance for homeowners when we buy a house next year. We should probably research the area of Lincoln to have an idea of what kind of risks they usually have.

Reply
John Carston link
11/3/2022 06:05:44 pm

I like that you said that you should consider learning about your coverage to know the best solution for your planning. My wife told me a couple of days ago that she was planning to have a homeowner's insurance plan that covers liability for any potential property damages. She asked if I had any idea what could be the best option in choosing the best plan for us. I love this enlightening article. I'll consult a trusted insurance broker as they can provide more information for the best coverage for us.

Reply



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