Your Home: Homeowner's insurance
Following this summer's weather we've found it necessary to remind you of the services available to help you rebuild as well as drive home the point of being prepared. And that preparation begins with your homeowner's insurance.
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Over the past couple of weeks here on "Your Home" we've addressed some post flood issues. Following this summer's weather, we've found it necessary to remind you of the services available to help you rebuild, as well as drive home the point of being prepared. And that preparation begins with your homeowner's insurance.
State Farm Agent Amy Aldrich said, “Homeowner's insurance covers structure, your home and any unattached structures on your property. It covers personal property and all your belongings. It covers you for liability in case you a sued. “
The one thing it doesn't cover is flood damage. Flood insurance is an entirely different animal all together. You should seek out an agent, like Aldrich, who is an underwriter for the National Flood Insurance Program.
“Flood insurance is a separate policy from your homeowner's or renter's policy that covers damage specifically related to a sudden rise in water. An area that is flooded, not a specific home necessarily. It's purchased through independent carriers of the National Flood Insurance Program. It is not included in your homeowner's or renter's insurance,” said Aldrich.
And should you ever find yourself put out by a storm or a flood, remember there are lots of agencies out there to help you. One of the most important, especially for immediate aid and shelter, is the Red Cross. But they also have some preparation tips for you to help ease the initial shock of that situation.
Caroline Boardman of the Red Cross said, “We have a three point plan. It's make a kit, make a home kit so you have your supplies on hand. Make a plan. Make a plan to evacuate if you need to, be it a fire or a power outage or something like a flood or tornado. And then be informed. Listen to local news and weather broadcasts so you know when the storm may come through, what the duration could be, what the damage expected is going to be and when it is safe to return home.”
Pretty common sense stuff, but, remember, when it comes to flood insurance, things can get a little tricky. Be sure to take the time to sit down with your insurance agent to talk about it.