Mother Nature can certainly be a force to be reckoned with. When she throws something at you, you might ask yourself a question, will my insurance cover this? The answer is maybe, it all depends on what you have in your plan. Lets review some common insurance plans, what they cover, and what you need to get all acts of Mother Nature covered.
Does My Homeowners Insurance Cover Weather Damage?
Many people think that homeowners insurance is all encompassing and covers all weather damage, but it’s not. Homeowners insurance can cover certain water damages like a burst pipe, lighting strikes, fallen tress or even wind related damage. Will homeowners insurance pay for hail damage? Depends on the coverage but typically it will. While a lot is covered by homeowners insurance, not all is, so it can be wise to get additional coverage.
Sometimes homeowners insurance is not enough and additional coverage should be acquired. One of the most common forms of additional coverage is flood coverage, which is not covered under homeowners. Earthquake insurance is also quite common, especially in areas like California. Both earthquake and flood insurance are not covered by homeowners but might be essential depending on where you live.
Filing Your Claim
After any accident or any weather related tragedies, you will have to file your claim. For any items lost or damaged, it can be beneficial to save receipts and have a list of items prepared beforehand. For damage to the exterior of your home, you will have to contact your insurance company and discuss with them what company to conduct the repairs on your home. They will likely recommend someone, but it can be helpful to do some of your own research.
What to Look for in a Contracting Company
When looking for someone to conduct the repairs on your home, there are several things you want to look for. You want to find a company that is trusted, has experience, and can fix all of your problems. Platinum Exteriors Inc. is a Maryland siding company that specializes in siding, roofing and window and door replacement. We have over 25 years of experience in the trade and our customer testimonials speak for themselves.
If you need any work done on the exterior of your phone following an accident, be sure to contact the experts at Platinum Exteriors Inc. at (443-536-1779) or visit us at our website, platinumexteriorsmd.com.