July - August - September 2022 CIRCA Magazine

Page 16

That exclusion also pertains to flooding brought on by or as a result of a hurricane. However, if a hurricane’s wind damages your roof, and rain gets in as a result, you may find that homeowners insurance offers some protection if your policy includes coverage for wind. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program to help cover the cost of replacing or repairing your home and belongings after a flood. It should be noted that a flood insurance policy can take up to 30 days to go into effect, so it’s important to be proactive. BY THOMAS WALTERS

HURRICANES

AND HOMEOWNERS

INSURANCE

S

ince we live in a region that is prone to hurricanes, you likely have certain emergency plans in place. But do you know what types of insurance you may need to provide coverage for the kinds of damage a hurricane can cause? The answer may depend on where you live, what types of damage your home sustains, what limitations your policy may have in place, and how much coverage you purchase. Here are some things to consider when it comes to hurricanes and homeowners insurance.

Being prepared and putting some protective measures in place ahead of a storm or flood may help you stay safe if one strikes. This includes steps like cleaning out gutters and downspouts in advance of a storm, safeguarding important documents by making digital backups, devising an evacuation plan that includes potential routes out of the area, and creating an emergency kit to take with you in case of an evacuation. But it also includes the important step of reviewing your insurance policy now – and potentially making necessary adjustments – before a hurricane hits, ensuring you, your family, and your property are protected.  Thomas Walters is the owner of Walters Insurance Agency, located at 3207 Rogers, Road, Suite 100 in Wake Forest. Call 919-554-0267 or email twalters@allstate.com for help with all your insurance needs.

HURRICANE DAMAGE CAUSED BY WIND A peril is an event, like a fire or a break-in, that may damage your home or belongings. The perils covered by your homeowners insurance are listed in your policy. Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It’s important to read your policy or contact your agent to learn if and how your home’s structure, as well as your belongings, may be covered against a hurricane’s winds. If your policy does offer coverage for wind damage, you may find that it includes a separate hurricane deductible that is higher than your standard deductible. And, if coverage is provided, it’s important to remember that coverage limits will apply.

HURRICANE DAMAGE CAUSED BY FLOOD Flooding is often associated with hurricanes. However, private homeowners insurance policies typically do not cover flood damage. 16

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Our Heritage

4min
pages 74-76

Is Your Jaw Becoming A Pain?

3min
pages 70-71

Garden Watering

3min
pages 66-67

Sweet Summer Corn

4min
pages 68-69

Pregnancy And Vision

4min
pages 64-65

Grilled In Tradition

3min
pages 60-61

Function By Design Tips For Making The Most Of Your Living Space

4min
pages 58-59

Seasonal Selling

3min
pages 52-53

Protect Your Pup Tips For Keeping Your Dog Safe This Summer

4min
pages 40-41

Healthy Smiles Can Children Develop Gum

2min
pages 50-51

Planting A Pollinator Garden

3min
pages 48-49

What A Peach

3min
pages 36-39

Decor Dilemma? Design Tips Tricks, And Helpful Hints

4min
pages 42-43

Good Reads

5min
pages 34-35

Summer Skin Check

2min
pages 44-45

Be Clean To Keep Cool

3min
pages 32-33

What’s Lurking In The Fresh Waters We Swim In?

2min
pages 30-31

Hurricanes And Homeowners Insurance

2min
pages 16-17

Financial Focus

2min
pages 12-13

Fruitful Decor DIY Decorating With Fresh

4min
pages 28-29

A Toast To Summer Watermelon ... The Perfect Fruit For The Perfect Summer Cocktail

3min
pages 18-19

Hidden Gems

5min
pages 20-21

Outdoor Inspiration For A

5min
pages 14-15

“Shrimply” Delicious

4min
pages 24-27

Stay-Cool Cleaning Strategies

3min
pages 8-11
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