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Home Insurance. Thursday , March 01st , 2018 - 15:16:49 PM

News headlines in 2017 were dominated for weeks at a time with coverage of natural disasters striking parts of the United States — from Hurricane Harvey flooding homes in Houston, to Hurricane Irma destroying houses in Florida, to wildfires decimating swaths of homes in California. All told, the costs of these incidents are likely to make 2017 the costliest year on record for natural disasters.

The control panel is used to arm and disarm the system. If the system is armed and one of the circuits on the window or door sensors is interrupted, an alarm sounds. If it is a professionally monitored system, that alarm also notifies the alarm company that there has been a breach. The alarm company then follows a set of procedures, including contacting the homeowner or emergency contact to make sure it is not a false alarm, and then the authorities (fire or police) are called.

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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