Winter officially begins in just over a month, but winter weather is already here! With temperates in the 40s the last few days, you’ve probably already started turning on the heater, pulling out the blankets and dreading the increase in your upcoming energy bills.
Home Insurance
Have you ever been kept awake at night because you’re worried about something happening to your home? The possibilities are endless – fire, burglary, flooding, lightning. Your home is, well, your home. If something were to happen to your house, it would be devastating. It’s no wonder you have a hard time sleeping if you’re dwelling on the things that could go wrong.
But the good news is that homeowner’s insurance will be there for you. With a great home insurance policy, you can sleep well knowing that your home and belongings are covered if you’re hit with a catastrophe. A homeowner’s policy covers and protects you from a multitude of disasters, so even though you can’t predict the future, you know you’ll be protected from whatever life can throw at you.
We know that your home and your family are unique, so you need a personalized insurance policy to fit your needs. InsuranceHub would be happy to help with that. We can help you identify your risks and make sure you’re covered. We want to keep you and your family protected from anything that could come your way.
Sinkholes, wildfires and earthquakes: Will your home be protected?
Welcome to part three of the series: “Will your home be protected from these Natural Disasters?”
In part 1 we addressed hurricanes and in part 2 we discussed tornadoes and hailstorms.
Today, in part 3 we will discuss:
- Sinkholes
- Wildfires
- Earthquakes
- Landslides
Tornadoes and hailstorms: Will your home be protected?
Part 2: Tornadoes and hailstorms
In our last article, we addressed the question “Will my home be protected from hurricanes? In that article, we discussed hurricanes and the lessons that will prevent us from suffering an unnecessary loss. In today’s discussion, we will address tornadoes and hailstorms.
Quick question before we begin: Do you think that you will be protected with your current home insurance policy in the case of a tornado or hail storm? Let’s find out together:
Hurricanes: Will your home be protected?
Part 1: Hurricanes
Natural disasters. These words can send shivers down your spine. It seems like every day we hear about another natural disaster as they seem to rise to Biblical proportions: hurricanes, tropical storms, earthquakes, tornadoes, etc.
As a homeowner, just because you may have home insurance, it doesn’t mean you will necessarily be covered in the case of a natural disaster with your current policy. You may be wondering, “How can that be?” Well, let’s find out together as we look at the most common natural disasters that hit the United States each year.
Will your homeowners protect you from Hurricanes?
Normally when you think of hurricanes you think of coastal towns like Galveston, Texas. The facts are though that hurricane winds can cause damage to cities that may normally not be prone to hurricane damage. For example, all you have to say is the name “Sandy” and now you have New York and New Jersey paying close attention too.
Home Insurance Drones Encircle Texas
How surprised will you be when you see an insurance drone circling your Texas home?
Here is the thing: insurance companies paid out billions of dollars worth of hail & storm insurance claims so far this year. For example, here are some of the claims in Texas:
- San Antonio got hammered with grapefruit-sized hailstones up to 4.5 inches in diameter that knocked out windows.
- Wylie, Texas, was hard hit with softball-sized hail that shattered car and home windows.
- The Dallas-Fort Worth metro has been hit with thunderstorms that produced hail to the size of golf balls and tennis balls.
Should I file a roof hail damage claim?
Should you file a roof hail damage claim after a storm? Maybe, but it is important to note not all damage merits a claim. So what should you do if you suspect you have roof hail damage? Get it inspected.
Lightning and your electronic equipment
We don’t have to tell you how dangerous a lightning storm can be.
Downright scary! Lightning strikes can cause home fires. Another potential lightning threat is blowing up all of your electronic equipment. Just suppose your new $4,000 TV was hit by lightning.
Poof! Your TV is gone in a microsecond. Can this really happen? Most definitely, yes! Lightning and sensitive electronic equipment do not mix!
Do you have a fire bomb hiding in your closet?
You might be surprised how many flammable products you keep in your home and garage.
The following can ignite or explode if stored improperly:
- fuels like kerosene, oil, and gas
- solvents like benzene
- cleaning agents
- thinners
- adhesives
- paints
- propane
Is A Pool Covered By My Homeowners Policy?
Let’s face it, swimming pools are fun.
The idea of kicking back and relaxing while you float around your pool is inviting, isn’t it? Some of our best memories of growing up revolve around being in our backyard pool with friends and family.
However, there is a dark side to pool ownership that few care to think about. Did you know that about 300 children under age 5 drown in their backyard swimming pools? The sad truth is that it only takes a second for a child to slip under the water to drown before anyone notices what has happened. This raises an important question:
Are swimming pools covered under my home insurance policy?
Using your clothes dryer without burning down your house
Having a washer and dryer in your home is definitely a modern convenience.
It’s certainly better than beating laundry on a rock down by the river, isn’t it? While doing laundry at home can be a blessing, did you know that it carries potential dangers too? Here is the thing: in the recent year, there were an estimated 16,800 reported U.S. home structure fires involving clothes dryers or washing machines. Sadly, there were 51 civilian deaths and 380 civilian injuries. The insurance companies sent out claims checks for almost $236 million for repairing direct property damage as a result of clothes dryer fires.