The Insurance Store of CT would like to remind you that it may be time to look into hurricane home protection. In Connecticut, we never know what to expect. With hundreds of miles of shoreline, we have seen our share of devastating storms. When a hurricane strikes our beautiful state, many homeowners find out that damages their homes sustain are not covered by their homeowner’s insurance. Hurricane Insurance is not a separate policy, but certain damage may not be covered under your existing homeowner’s policy. Know the basics of what hurricane damage is covered before the storms start heading our way. You can, however, take measures toward hurricane protection this season. The Insurance Store of CT will be happy to explain your homeowner’s insurance options.
Preparation can prevent costly storm damage. Just a reminder that with the right policy from Insurance Store of CT, hurricane damage will not be one of your worries. When we are in the path of a hurricane, we expect very high winds and a potential for water damage and roof failure. In general, your existing policy will cover high winds ripping roof shingles off resulting in water penetration. Basement flooding, however, is not covered. For that you will need a Flood Insurance policy. Hurricane damage to your boat, car, or RV will require comprehensive insurance.
Make sure that your roof is in top condition, because the rooftop is your home’s defense from the elements. Check your attic ventilation, because large quantities of water can get blown inside the vents when winds reach up to 90 miles per hour. Windows and doors, shuttering the windows is an excellent defense against breaking glass. Also check your surroundings. Secure or put loose items away in your yard, like lawn furniture, recycle bins, toys, tools and bicycles. This includes metal garbage can lids, which can become airborne in a storm. No one wants to think about suffering a loss, but in the event that Connecticut does have a nasty hurricane season The Insurance Store of Connecticut is designed to provide you coverage. If you are interested in learning more about how we can protect your home call The Insurance Store of Connecticut at 860-645-1960.