As a homeowner, it’s important to know what disasters can happen to your home and be covered with your home insurance policy. Not all disasters are covered, but there are some instances where you can make a claim and get assistance with repairing and replacing your home.
1. Hail
Coming in quick and fast is hail. These large balls of ice drop down at fast rates and cause significant damage to roofs, windows, and a home’s siding. If the hail is strong during a storm where your home is hit, you’ll likely need repairs soon so that further damage doesn’t happen to your home. Some areas may go a year or two before having a strong hail storm, but they can happen anywhere.
2. High Winds/Tornadoes
Some storms can blow up high winds and tornadoes at different times of the year. Depending on where you are and how fast the winds are blowing, the damage can be anything from missing siding to blowing off the roof. If a tornado is coming through, it has the potential to cause significant damage, and you may have to live away from your home during repairs.
3. Wildfires
No area is immune to wildfires, as they can develop in dry conditions and negligence from people living there. When a wildfire takes off, it can take days or weeks to stop it, and it will cause damage to any structure in the way. If your home is damaged or destroyed by a wildfire completely out of your control, you can claim your home insurance.
If you live in or around Birmingham, AL, you’re not immune to natural disasters that can damage your home. At Russ Richardson Agency, we’re here to help you get the policy you need for home insurance today. Contact us for more information.
