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One of the major factors families secure home insurance is to provide financial protection in case of a natural disaster. We may not be subject to hurricanes, earthquakes, or wildfires in Evergreen Park, IL, but we certainly have our share of dangerous summer storms. These often include high winds, heavy rain, hail, and even tornadoes. The Martin Insurance Team is here to help you protect your investment.
Here are some things you should know about summer storms and home insurance.
High Winds
High winds are a major cause of damage in summer storms. Tornadic and straight-line winds can significantly damage roofs, uproot trees, and cause fencing to fall. Homes can also be damaged from flying debris and unsecured outdoor furnishings.
Flood Insurance
Homeowners in the Evergreen Park, IL, area must understand that flooding is not covered under a standard home insurance policy. A separate flood insurance policy must be acquired, often managed by the National Flood Insurance Program. With the changing climate and rapid housing developments, flood-prone areas are increasing. More homeowners should consider this valuable protection.
Lightning
Lightning strikes can cause significant damage in multiple ways. An initial strike can create damage all by itself. The resulting electrical shock may cause damage to major appliances and expensive electronics. Lightning strikes can also cause fires, leading to water damage from fire-fighting efforts.
Temporary Living Expenses
Should your home become temporarily unlivable following damage, your homeowner’s insurance may be able to help. Hotel accommodations, meals, and living expenses may be included in your home insurance protection.
Are You Covered?
Are you covered for summer storms? Find details with a home insurance review from the Martin Insurance Team of Evergreen Park, IL. We can even provide a price quote. Reach out to us today for greater peace of mind during the summer storm season.
