Insure Your House Before Fall Storms in Florence: Is Your Home Insurance Ready?

Severe weather during the fall months can cause various problems, including roof damage, fallen trees, water damage and power outages. Now is a good time to review your homeowners’ insurance and make sure you have sufficient coverage for the months ahead.

What Does Home Insurance Typically Cover?

A standard home insurance policy may cover many types of storm-related damage, including:

• Wind and hail damage to your roof, siding or windows
• Water damage from rain entering through storm-created openings, such as cracks in your roof
• Damage from fallen trees, tree limbs or debris
• Additional living expenses, such as hotel stays and restaurant meals, if you must temporarily vacate your home due to covered damage

Many home insurance policies do not cover flood damage from rising water. To avoid subsequent financial losses, you may need to purchase a separate flood insurance policy.

Is Your Coverage Up to Date?

It’s crucial to review your policy before storm season begins. Consider the following questions:

• Has your home’s value changed due to renovations or rising property values?
• Do you have enough coverage for your personal belongings?
• Are there exclusions or limits for wind or water damage?
• Do you need to adjust or enhance your coverage to address floods or named storm deductibles?

How We Can Help

Ed Smith Insurance helps homeowners in Florence, SC understand their home insurance options and identify any gaps in coverage. Contact our team today to schedule a personalized insurance review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.