The vagaries of the weather can play havoc with homes, leaving homeowners with expenses that can be almost impossible to bear, says a new Insure4USA article.
Online PR News – 19-November-2010 – – The vagaries of the weather can play havoc with homes, leaving homeowners with expenses that can be almost impossible to bear. Those living in areas prone to hurricanes and torrential rains are at great risk of facing an impending disaster at any time. Insure4USA.com, a leading online insurance service, recently released an article titled, 'Protect Your Family and Properties with windstorm insurance', for homeowners seeking affordable insurance options to protect their homes and themselves from financial ruin.
See Insure4USA.com full article http://www.insure4usa.com/windstorm-insurance.html
Homeowners living in areas that are frequently ravaged by storms have the option of purchasing windstorm insurance to cover any expenses for damages caused by hurricanes. Alex, CEO of Insure4USA.com says, "Although standard insurance policies do cover Acts of God, the cover is clearly not enough for those living in hurricane prone areas. Windstorm insurance covers the home and all the belongings inside, which is the ideal policy for homes located in disaster prone areas. This type of coverage is available for condominiums, mobile homes, and commercial establishments as well."
According to Insure4USA's article, windstorm coverage has its limitations as well. While fences and signage are included, cars are not covered. In addition, the insurance company sets a limit on the amount that will be paid in the event of a claim being filed. Alex adds, "Homeowners must be aware that some states require owners to submit photos of their property. This is in addition to inspections which are carried out to certify that a home is insurable. It is therefore prudent for homeowners to make sure they build a strong foundation and make a one-time investment on the best construction material, which even gives them a chance to lower their monthly insurance bill.
The article also highlights the fact that state governments have their own set of laws to control windstorm insurance to help homeowners and insurance providers lessen the burden should there be a disaster that causes a surge in claims. The laws also favor homeowners where windstorm coverage must be offered by insurance companies to those living in high risk areas.
Alex adds, "it is wise for homeowners to shop around for windstorm insurance. This will give them a chance to compare prices and coverage, and make a well informed decision. It is equally important to read the fine print of the policy to make sure there are no out-of-pocket expenses in the event of a disaster. Spending a little more on windstorm insurance goes a long way in protecting your home and the financial future of your family."