As the spring storm season gets fired up, insurers are hoping home insurance customers are ready.
Texas storm preparedness can help to make a big difference in the risk of damage throughout the spring season. This year, insurance groups are offering policyholders added advice to help protect themselves against rains, winds and other severe weather risks.
These helpful recommendations will reduce the risk of damage and make the claims process easier.
The right Texas storm preparedness can make it possible for homeowners and vehicle owners to keep their property safe. Should damage occur, it can also mean they’re more prepared to recover after the storm has passed.
As a result, Insurance Council of Texas and State Farm Insurance representatives came together on a 10-city Storm Tour. The tour ended last week in Denison and Sherman. Those representatives worked to help spread the word about the various types of risks of property damage in severe weather such as spring storms. They also offered practical strategies to homeowners and vehicle owners who want to keep their property safe, know how to make an effective claim if need be, and even to ensure they are adequately covered to pay for their damaged property.
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There are many risks associated with spring weather, so Texas storm preparedness is key.
“In North Texas, we have tornadoes, hail, high winds, lightning, freezing weather and pretty much everything but volcanoes, here,” said Mark Hanna, Insurance Council of Texas spokesperson. “From an insurance perspective, your rates are a reflection of where you live, but there are things you can do to protect yourself and limit your liability.”
According to Hanna, the first step any homeowner or vehicle owner should take is to thoroughly understand his or her current insurance coverage. If need be, contact an insurance agent in order to have it explained. This should include everything from the types of peril covered, the parts of the home or vehicle covered, deductibles, premiums and potential discounts. “What if” questions can help to build a more realistic understanding of how coverage will work if a claim needs to be made.
From there, the next big Texas storm preparedness tip is to make any necessary policy adjustments to make sure adequate coverage is indeed in place. Then, take steps around the house to reduce its susceptibility to severe weather damage. Check the roof condition, secure outdoor furniture, trim trees, and invest in storm-resistant windows and doors. Take pictures of property and possessions for a solid, recent record of what you have and its condition.