By Nisie
Sponsored By Sunny Side Roofing
When the weather gets more severe with high winds, excessive rain, hail, or even tornados, many worry their biggest asset will be damaged- their home. It is devasting when you are hit with a bad storm; this year, some areas are getting hit hard. As of March this year, Keller, TX, was the rainiest in 13 years. Even though February saw a decrease in rainfall, more rain is expected later in the week!
If you believe you are in the path of a bad storm, it’s crucial to be prepared! Ensure you have flashlights and sneakers to protect your feet in a potentially dangerous situation. In severe storms with extremely high winds or even tornados, you want to stay away from windows and find a central location in your house to take cover if needed. Nobody wants to think of these scary situations, but being prepared can be crucial.
There are other ways to prepare before the storms roll in! It is essential to review your homeowner insurance to be sure you are thoroughly covered in case a natural disaster strikes. Depending on where you live, you may need flood damage protection or even protection from fire damage. However, your policy type could also be critical regarding your budget and how much you can afford out of pocket. Here are some quick tips to look for when reviewing your home insurance policy!
• Make sure your deductible is affordable : 1%- 2% deductible will make your out-of-pocket costs lower
• Always have an RCV policy : This policy will pay for the replacement of the roof without holding you responsible for any depreciated value of your property, so you have no extra out-of-pocket costs.
• STAY AWAY FROM ACV POLICIES! This policy may cost less monthly but will leave you paying way more out of pocket if repairs or replacements are needed. This policy considers the age and condition of the roof, fence, or other damaged items when determining the payout, unlike RCV, will pay for the full cost no matter the age/ depreciation of the damaged property,
• Finally – Pick a contractor you can trust!
All these tips should ensure you are physically and financially protected from the upcoming storms. I hope everyone stays safe and dry!