Hurricanes have been all over the news lately, and Texas was particularly hard hit by recent Hurricane Harvey. If you live in Cypress, TX, you may have found out too late that your home insurance didn’t cover enough when you were hit with hurricane damage. With more hurricanes continuing to hit the United States, it’s time to learn more about hurricanes and home insurance so you make sure you’re covered.
Does Home Insurance Cover Hurricanes?
There’s no one policy that is going to cover all the damage a hurricane has the potential to do to your home. You may need to consider a mixture of several policies from InsureUS, such as home insurance, flood insurance, and wind insurance. Keep in mind, if you’re living near the coast, it’s possible that you may need to have a special windstorm policy along with your home insurance.
Do I Need Flood Insurance?
If you think you may need coverage for water that enters the home as a result of a hurricane, such as pooling water from heavy rains or water damage from storm surge, then you probably do need flood insurance along with your home insurance. Many homeowners think that their home insurance will cover them, but you’ll probably need a good flood insurance policy to ensure you’re well covered.
Will I Need to Pay Special Deductibles?
Living in a hurricane-prone area may mean that you do pay some special, higher deductibles. You may be asked to pay a percentage deductible when dealing with hurricane damage. When buying insurance to keep you covered during a hurricane, make sure you find out the deductible information.
What to Do After a Hurricane Hits
If a hurricane does hit your home in Cypress, TX, make sure that you document your damage with video or photos and work to prevent further damage to your home. Make sure you keep track of temporary repairs that are made. You’ll also need to make sure that you notify the insurance company immediately.
Don’t wait until another hurricane hits to make sure you’re well covered. Contact InsureUS to learn more about your options and the coverage you need.