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Home Insurance. Monday , February 19th , 2018 - 13:52:43 PM

But even with eye-opening photos of these disasters populating our phones, computer screens and newspapers, there still seems to be a sense of complacency among consumers when it comes to taking action to ensure they are properly covered in the event a natural disaster hits their own home. Given the prevalence of natural disasters in 2017, Clearsurance published a report after surveying 1,000 participants to learn if they have taken any steps in the last six months to uncover possible insurance gaps.

The first, and easiest, step for policyholders to avoid an unpaid natural disaster claim is to call their insurance agent or company and ask about their coverage. If a policyholder is in an area where hurricanes are prevalent, they should be asking questions specific to hurricane scenarios. Are they covered in the event of water damage from a flood? What about wind damage? What are the policy’s limits on rebuilding or repairing? Additionally, the consumer should confirm that the full value of their home is properly insured.

Review your homeowners policy and understand what it does and does not cover. Many homeowners are unaware that damage caused by flooding resulting from a hurricane is not covered by their homeowners insurance. If you live in a coastal area, even if you are not in a low-lying area, you might want to consider purchasing flood insurance. Do not wait too long to do this, as most policies are usually not effective until after 30 days.

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