Is June 29, 2012 ring a bell for you? This date will live in the memory of the insurance industry for years to come. Derecho is a Spanish term for a storm right, long, widespread and long term which comes with fast moving thunderstorms and rain. It may also give high destructive winds, hail big as golf balls, and tornadoes. He developed this definition was spot on! The June 2012 Mid-Atlantic and Midwest derecho was described by Wikipedia as "one of the most destructive and deadly complex of severe thunderstorms in North American history moving quickly."
as beautiful as the spring and summer can be, it is a time of year when we must be aware of the weather forecast and be prepared. one of my personal memories is the failure . current My own family has experienced a power outage for about 48 hours -.. much less time than many others we were lucky
When I think of a power failure, I think protect content freezer / refrigerator. an owner policy provides no automatic not endorsed coverage for the content. the good news is that most companies offer an endorsement to add this coverage to an owner's policy. It is relatively inexpensive and many riders have a lower deductible franchise policy (eg $ 100 deductible for contents fridge / freezer).
Typically, wind and hail are standard warranties in the forms of owners. Thank God! However, an insurance company can handle wind / hail applications in a variety of ways. Some companies may pay extra - extra - for claims wind / hail. Others do not. Some companies require different franchise options depending on the age of the roof, but others do not. Companies can also consider a claim wind / hail on its own merit and purchase accordingly.
storms affect not only your home, they can damage your personal self. If your auto insurance policy provides coverage for physical damage, you will have the coverage available for damage related to the storm as the wind and hail. Many companies offer a franchise if the loss affects both the home and business line automotive, applying the higher deductible of both
To illustrate :.
Hail damages your house and 2014 Mini Van
deductible owner - $ 1000
Auto comprehensive deductible - $ 500
in the example above, under the only franchise philosophy, the company will apply the $ 1000 deductible, because it is the larger of the two. With many companies, this is an automatic benefit if both sectors are provided with the same support
For more information on preparing and protect yourself against the next big storm, check our messages blog "Damage Tree. - Are you insured" and "Preparing a power failure?".
Enjoy your spring and summer, but do not take your eyes off this storm! Stay safe and protected.
The policy covers described above are in the most general terms and are subject to the exclusions and real political conditions. For specific coverage details and exclusions of the policy, refer to the policy itself or contact your independent agent.
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