Oklahoma Insurance Professionals LLC Blog |
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Write something about yourself. No need to be fancy, just an overview.
Oklahoma Insurance Professionals LLC Blog |
Write something about yourself. No need to be fancy, just an overview.
When Becky bought her home in Oklahoma City, she didn’t think much about rare or unusual disasters. Like most homeowners, she focused on the basics—tornadoes, fire, and theft. But when a freak hailstorm left her roof in shambles, followed by a raccoon wreaking havoc in her attic, she found herself wondering: does my homeowners insurance cover these kinds of events? For many homeowners, the unexpected can strike at any moment. While standard homeowners insurance policies cover a wide range of risks, there are some scenarios where your coverage might fall short. Let’s dive into what’s typically covered, what’s not, and how to ensure your home is protected against even the most unusual circumstances. Common Rare Risks in Oklahoma CityLiving in Oklahoma City means dealing with unpredictable weather and unique risks. Here are some uncommon but impactful events to consider: Hailstorms Oklahoma City is no stranger to hail, but the severity and frequency can catch homeowners off guard. Large hailstones can damage roofs, siding, and windows. Standard policies usually cover hail damage, but it’s crucial to understand your policy’s specifics to avoid surprises. Sinkholes While not as common in Oklahoma as in other states, sinkholes can still occur. Unfortunately, standard homeowners insurance typically doesn’t cover sinkholes unless you add specific coverage. If your property is in an area prone to ground shifting, this extra protection might be worth considering. Falling Objects From tree limbs to satellite debris, falling objects can cause serious damage to your home. Thankfully, most standard homeowners insurance policies cover these incidents. However, it’s important to keep your trees trimmed and well-maintained to prevent avoidable damage. Animal Damage From raccoons tearing through your attic to deer breaking through windows, animal-related damage can be surprising and costly. While damage from wild animals is generally covered, damage caused by household pets is not. Be sure to review your policy for specific exclusions. What’s Typically CoveredStandard homeowners insurance policies cover a broad range of perils, including many uncommon events:
What Might Not Be CoveredWhile standard policies are comprehensive, there are limits. Here are some scenarios that might require additional coverage: Flooding Flooding from heavy rain or rising water is not covered by standard homeowners insurance. If you’re in a flood-prone area, purchasing flood insurance is a must. Sinkholes Sinkhole coverage is not standard. You’ll need to add an endorsement or purchase a separate policy to protect your home from ground collapse. Mold Damage Mold from long-term water exposure is often excluded from coverage. Regular maintenance and quick action after water damage are key to avoiding costly repairs. Earthquakes While Oklahoma has seen an increase in seismic activity in recent years, standard homeowners insurance doesn’t cover earthquake damage. Adding earthquake coverage is essential if your property is at risk. Steps to Make Certain You’re CoveredProtecting your home from rare and uncommon events starts with understanding your policy. Here are steps to ensure you’re adequately covered: Review Your Policy Regularly Take time to review your policy’s terms and exclusions. Look for gaps in coverage, especially for uncommon risks like flooding or sinkholes. Add Endorsements If you identify risks not covered by your standard policy, talk to your insurance agent about adding endorsements. This can include flood insurance, earthquake coverage, or additional personal property protection. Perform Regular Maintenance Many insurance claims stem from preventable issues. Keep your home in good condition by trimming trees, maintaining your roof, and ensuring proper drainage around your property. Document Your Belongings In the event of an unexpected disaster, having an up-to-date inventory of your personal property can simplify the claims process. Use photos or videos to document valuable items. Why Updating Your Policy MattersWhenever you make changes to your home, such as adding a new roof, installing a security system, or upgrading plumbing, notify your insurance company. These updates can impact your premiums and coverage levels, so keeping your policy current ensures you’re fully protected. Trust Oklahoma Insurance Professionals for Comprehensive CoverageProtecting your home in Oklahoma City and the surrounding areas, including Edmond, Norman, and Yukon, means partnering with experts who understand the unique risks of our region. At Oklahoma Insurance Professionals, we’re committed to helping you navigate your options, fill coverage gaps, and find peace of mind knowing your home is well-protected. Contact us today for a personalized consultation and discover why so many Oklahoma City homeowners trust us for their insurance needs. Whether you’re looking to review your current policy or explore additional coverages, we’re here to help safeguard your home against the expected and the unexpected.
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