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Is Your Roof Covered By Your Home Insurance?

July 26, 2023 Guest Author

Your roof is one of the most important parts of your home. It protects you from the elements and keeps your home safe and dry. But what happens if your roof is damaged? Is it covered by your home insurance? The answer to this question depends on a number of factors, including the type of damage, the cause of the damage, and your insurance policy. However, in general, your roof is covered by your home insurance. Home insurance policies typically cover damage to the structure of your home, including…

Are Outdoor Patios And Paving Properly Covered By Home Insurance Policies?

May 30, 2023 Guest Author

A home insurance policy helps cover the contents of a building as needed, but does this extend to the outdoors as well? What happens to your patio or paving in case of damage? The short answer is that most home insurance policies do indeed cover both of these features in case of damage and will pay to have them replaced. Your patio is usually covered under the buildings section of your home insurance policy. This section is also responsible for shed, paving, gates, and boundary wall coverage as well. In…

Hurricane flood insurance coverage not carried by many Matthew victims

October 17, 2016October 14, 2016 Logan B.

Many of the homeowners who experienced damage from flooding don’t have the necessary coverage. Many victims of Hurricane Matthew who have never had a drop of water in their homes before are finding themselves underwater without hurricane flood insurance. Communities well inland and far from flood plains were rescued by firefighters in boats. Though the concern had been seawater driven ashore, it was rain and runoff that caused considerable flooding. Drainage ditches were overwhelmed, sending rising waters into the homes of people without hurricane flood insurance. For many of them,…

Most common and costly homeowners insurance claims

April 15, 2016April 16, 2016 Julie Campbell

A recent analysis conducted by The Travelers Companies has revealed some significant trends. According to the results of a homeowners insurance claims data analysis conducted by The Travelers Companies Inc., weather incidents were the cause behind more than half of all the filings that were made by policyholders. Among the events that were most commonly at fault were wind, frozen bursting pipes and leaky roofs. Despite the fact that the most common homeowners insurance claims were those caused by weather damage, it was the fire damage claims that were the…

Natural disasters have affected about 1 in 3 American small businesses

October 1, 2015September 30, 2015 Julie Campbell

Natural Disaster damage insurance trends

A new app has been developed by Allstate in order to help these companies to prepare for such events. Regardless of how much entrepreneurs would like to deny the truth of the matter, natural disasters do happen, and about one third of U.S. companies are affected by them at some point in their existence. These can come in the form of severe rainstorms, snowstorms, earthquakes, wind, flooding and other catastrophes. When these natural disasters strike, insurance claims are much easier to make when certain basic steps have been taken in…