From What Storm Damages are You Covered?

Do you know from which storm damages your home is covered?

Spring brings heavy rains and hurricane season doesn't really make it any better. It's best to know what your homeowners insurance policy covers, so you're not caught off guard when paying out-of-pocket is your only option. Learn what damages are covered and which ones aren't in your general homeowners insurance policy.

Flooding €” Your insurance covers you from water that falls from the sky, not the one that rises from the ground. More than 80 percent of Americans are uninsured for the number 1 cause of home damage in the U.S. If you live in a high-risk flooding zone you should consider flood insurance to not worry about your things if they get damaged.

Earthquakes €” While not common in New York, they definitely do happen. It's not a matter of if, it's a matter of when.  Earthquakes are typically not covered by homeowners insurance, so when the big one strikes, will you be prepared?

Sewage back-ups €” While this is already a pretty unfortunate experience, it can be even worse when you find out your insurance won't have you covered. You should add a rider to your policy, and consider buying a sub pump to get that water out of there.

Tree damage €” Even if no one is around to hear the tree fall and crash into your house, your insurance policy will cover you€”as long as the structure in which it fell is under your policy.

It's always best to be prepared for any situation; know which situations are going to come your way. For all of your insurance coverage needs, contact the insurance experts at Scavone Insurance Agency Center LLC in White Plains, New York. We will work with you to makes sure you have the coverage you need to protect you from any disasters this season.