Home Insurance During Hurricane Season
At 911 Restoration of Virginia Beach, we believe that preparation is key to minimizing the impact of hurricanes and other disasters. Part of being prepared involves understanding your insurance coverage and knowing how to navigate it effectively. 
In this article, we’ll guide you through essential insurance considerations related to storm damage, helping you make informed decisions before, during, and after hurricane season.
Understanding Different Types of Insurance Related to Storms
Homeowner’s Insurance:
Homeowners insurance typically covers damage caused by wind, rain, and hail. It may also cover damage to the structure of your home and your personal belongings.
Flood Insurance:
Standard homeowner’s insurance does not cover flood damage. If you live in an area prone to flooding, consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP).
Windstorm Insurance:
Some areas, especially coastal regions, may require additional windstorm insurance to cover damage specifically caused by high winds, which are common during hurricanes.
How to Review and Update Your Coverage Before Hurricane Season
Review Your Policy: Carefully review your insurance policies, noting what is covered and what is excluded. Understand the limits and deductibles associated with your coverage.
Assess Your Risk: Consider your property’s vulnerability to storms and flooding. If you live in a high-risk area, it’s important to ensure your coverage adequately addresses potential damages.
Update Valuables: Update your insurance company about any valuable items or improvements you’ve made to your home. This ensures they are included in your coverage.
Check for Endorsements: Some insurance companies offer additional endorsements that can enhance your coverage. These may include extended replacement cost coverage or coverage for temporary living expenses.
Steps to Take When Filing an Insurance Claim After a Storm
Document the Damage: Take photos and videos of the damage to your property and belongings. Make a detailed list of the items that have been affected.
Contact Your Insurance Company: Notify your insurance company about the damage as soon as possible. Follow their instructions for filing a claim.
Mitigate Further Damage: Take reasonable steps to prevent further damage to your property. Keep records of any temporary repairs or expenses incurred.
Keep Records: Maintain thorough records of all communication with your insurance company, including names, dates, and details of conversations.
Communication in Stressful Emergencies
At 911 Restoration of Virginia Beach, we understand that navigating insurance coverage during the aftermath of a storm can be daunting. That’s why we’re committed to not only providing restoration services but also offering guidance and support throughout the process. Clear communication is crucial during these challenging times.
If you encounter storm damage, know that we’re here to assist you in restoring your property and liaising with insurance companies. We’re dedicated to helping you recover effectively and efficiently, ensuring that you’re not alone in the face of adversity. Call our IICRC certified reps today.
