Oklahoma Insurance Professionals LLC Blog |
Author
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 Bryan and his family moved into their Oklahoma City home, they knew Oklahoma weather could be unpredictable. But nothing prepared them for the violent storm that rolled through one spring night. High winds sent tree branches crashing into their roof, and golf ball-sized hail shattered their skylight. The next morning, Bryan expected his homeowners insurance policy to handle the damage. Instead, he discovered that his policy had exclusions he didn’t know about—leaving him with thousands of dollars in out-of-pocket costs. For many homeowners in Oklahoma City, Norman, Edmond, Moore, and Yukon, severe weather isn’t just a possibility—it’s a certainty. But is your home insurance policy actually protecting you from storm damage? Let’s break down what’s typically covered, where you might need additional coverages, and how to prepare before the next big storm hits. What Types of Storm Damage Does Homeowners Insurance Cover?Most homeowners insurance policies in Oklahoma City cover storm damage, but not everything is included. Here’s what’s usually covered: Wind and Hail Damage Oklahoma experiences some of the highest wind and hail claims in the country. A standard policy typically covers wind damage to your roof, siding, windows, and personal property inside your home. However, some policies come with separate wind and hail deductibles, which are often higher than your regular deductible. Tornado Damage Living in Tornado Alley means tornadoes are a real threat. Most policies cover damage caused by tornadoes, including structural damage and loss of personal property. But some insurers exclude tornado damage or require a separate policy for homes in high-risk areas. Falling Trees and Debris Removal If a storm sends a tree crashing into your house, your policy likely covers the damage. However, if a tree falls in your yard but doesn’t damage anything, you may have to pay for debris removal out of pocket. Lightning and Fire If a storm brings lightning that starts a fire, your insurance should cover the cost of repairs or rebuilding. It may also cover additional living expenses if your home becomes uninhabitable. What Isn’t Covered by a Standard Homeowners Policy?While home insurance covers many storm-related damages, there are some important gaps. Flooding from Heavy Rain or Flash Floods One of the biggest misconceptions is that homeowners insurance covers flood damage—but it doesn’t. If heavy rain leads to flooding, you need a separate flood insurance policy. Many homeowners in Oklahoma City and surrounding areas don’t realize they’re at risk until it’s too late. Water Damage from Sewer Backups A severe storm can overwhelm storm drains and cause sewer backups, leading to significant water damage inside your home. This is not covered by standard insurance, but you can add water backup coverage to your policy. Wind-Driven Rain If rain enters your home due to storm damage (like a broken window), your policy usually covers the repairs. But if rain seeps through a closed window or an aging roof, it may be excluded. Insurers expect homeowners to maintain their properties, so gradual leaks or poorly maintained roofs might not be covered. Detached Structures and Fences Your homeowners policy might cover detached garages, sheds, and fences, but limits vary. Check your coverage limits to avoid unexpected repair costs. How to Strengthen Your Policy Against Storm DamageIf you’re unsure about your coverage, here are steps to take before storm season arrives: 1. Review Your Policy’s Coverage Limits Look at your dwelling coverage and personal property coverage to ensure they match your home’s current value. Replacement costs have risen in recent years, and you don’t want to be underinsured. 2. Consider Additional Coverage Options Adding flood insurance, water backup coverage, and extended replacement cost coverage can save you thousands in the long run. Talk to an insurance agent to see what makes sense for your home. 3. Check Your Deductible Many homeowners policies in Oklahoma have separate deductibles for wind and hail damage. Make sure you understand how much you’d have to pay out of pocket after a storm. 4. Keep Your Roof and Home Well-Maintained Insurance companies may deny claims if they determine your roof or siding was already in poor condition before the storm. Regular inspections and repairs can help ensure your policy remains valid. 5. Take a Home Inventory Documenting your personal property with photos and receipts can speed up the claims process if a storm damages your belongings. What to Do If a Storm Damages Your HomeEven with the right insurance, filing a claim after a storm can be stressful. Here’s what to do:
Why Choose Oklahoma Insurance Professionals?If a severe storm damages your home, the last thing you want is to discover gaps in your homeowners insurance policy. That’s where Oklahoma Insurance Professionals can help. We specialize in home insurance for Oklahoma City, Edmond, Norman, Moore, and Yukon homeowners, providing expert advice on how to protect your property from Oklahoma’s unpredictable weather. Whether you need help adjusting your coverage limits, adding additional coverages, or finding the right replacement cost options, we’re here to make sure your home stays protected. Don’t wait for the next big storm to find out if you’re underinsured. Contact Oklahoma Insurance Professionals today for a policy review and a personalized insurance plan that fits your home’s needs.
Comments are closed.
|
Contact Us(405) 838-1818 Archives
February 2025
Categories
All
|
Navigation |
Connect With UsShare This Page |
Contact UsOklahoma Insurance Professionals LLC
1624 SW 122nd St Oklahoma City, OK 73170 (405) 838-1818 Click Here to Email Us |
Location |