How to Work With Your Insurance Agent To Have A Policy That Plans For Disaster If you are considering buying a home or you currently own a home, it is smart to determine if your homeowner’s insurance policy covers natural disasters. Your insurance policy may only cover theft and fire damage. It may not cover bigger natural disasters such as flooding, tornado, and wildfires unless you live in a place where these things are common. To ensure you have the best homeowner’s insurance policy, you should work with your insurance agent to make sure you have the following coverage for a natural disaster. Flooding Flooding can be tricky, as there are different types of flooding. Your insurance policy may only cover flooding from plumbing issues and not from rivers or rain. If you live in a place where flooding occurs frequently, you may want to consider flood protection insurance. The pricing for flood insurance varies from one place to another. You could pay a few hundred dollars, or you could pay up to $3,000. Some people do not qualify for flooding insurance if the flooding risk is too high. Tornadoes Most homeowner’s insurance policies will cover wind damage. Therefore, in most cases, tornado damage is covered. However, you may want to talk to your insurance agent to ensure that damages from a tornado are covered. You will also want to make sure you understand what is meant by wind damage. If you live in a place where tornadoes are common, you may want to consider adding additional coverage in case the wind damage does not cover everything. Hurricanes Most insurance policies cover wind damage from natural disasters. However, they do not cover flooding that occurs from storm surges after a hurricane. If you live in the Atlantic or the Gulf Coast States that are susceptible to hurricanes, you may want to consider flood insurance or beach/windstorm insurance. You will want to make sure you read the fine print and talk to your insurance agent about what is meant by wind and flood damage. This ensures you will not be paying more than you initially thought. Earthquakes If you live in a place where earthquakes are common, you will want to discuss earthquake insurance with your agent. This type of insurance policy will vary from one location to the next. The price will also be different depending on how your house was built and the materials that were used. For example, a wood-frame home will have a lower premium due to wood being able to withstand earthquakes better. Call the Experts It is always best to plan for natural disasters. One way is knowing who to call when natural disaster damages occur. You want to make sure you use a company that offers 24/7 service, as most damages will need attention immediately. When a natural disaster hits your home, call the experts at DC Water Restoration. We offer 24/7 service and make sure that all your damage is taken care of at a fair price. All of our technicians are certified and get things done quickly. Contact us today to schedule your appointment.