Spring storms are a common occurrence in and around Foley, AL. Lightning, hail, flooding, and high winds can occur from early March up until the hot, sultry summer months. These weather events can dent your roof, cause water to flood your basement, and blow shingles and siding from your structure. Most homeowners rely on their homeowner’s insurance to ensure they don’t incur significant repair costs if weather events damage their homes. However, if you haven’t reviewed your homeowner’s coverage for a while, it’s wise to sit down with your agent and review your coverage before storm season hits.
Insurance Concerns to Consider Before Storm Season
One aspect to review regarding your homeowner’s policy is the amount of coverage you have. While most policies factor inflation into their coverage, this won’t necessarily cover any additions or upgrades you’ve made to your home since you purchased your policy.
Additionally, flood damage is often not included in standard homeowner’s policies. This is especially true if your home lies within a flood zone. You don’t have to live on the coast to worry about floodwaters. Rivers and even creeks can become hazardous when waters rise. Wind and hail coverage may also be additional, depending on your address. You certainly don’t want to do without this coverage, as a single hail storm can wreak havoc with even the most sturdy metal roof.
Contact Southern Risk Associates to learn more about ensuring you have the homeowner’s insurance you need for the Alabama storm season. We’ve been helping Foley, AL residents with their insurance needs since 2021.
