Your home insurance policy requires you to protect your home.
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If you fail to take proper care of your home, your insurer could deny your claim. With summer storms approaching, here are some of the best ways to protect your home – and make sure your insurance claim goes smoothly.
There’s no better time to review insurance coverage than today. Check your coverage, verify your limits, and ensure you have sufficient insurance for everything in your home.
Certain areas are more prone to thunderstorms than others. If you live in a thunderstorm-prone area, then a lightning rod may be a smart investment. A lightning rod prevents a lightning strike from frying your home’s electrical circuitry and damaging electronics.
If you don’t want to install a lightning rod, then consider installing a surge protector in your home. To protect your home and its electronics, ask an electrician about installing a surge protector.
Your roof is one of the most likely parts of your home to get damaged in a summer storm. Fix any problems with your roof and your gutters. Repair missing shingles or tiles. Make sure your chimney has no cracks, and check the flashing to ensure there are no leaks.
As a homeowner, you have a duty to maintain your gutters. If your gutters are filled with junk, then they can’t do their job correctly during the next storm. Check your gutters and clean them regularly.
The caulking around your doors and windows needs to be intact to protect against summer storms. Check seals and caulking around all entryways to your home, including doors, windows, holes where wires and pipes enter your home, and any other access points between your home and the outside world.
People in storm-prone areas often invest in storm shutters. In fact, some insurers offer discounts of 25% for installing storm shutters. Storm shutters give your home an extra layer of sturdy protection in a storm.
You have a duty to maintain trees around your property. Failing to maintain trees, trim trees, and remove dead trees could lead to insurance claim denial.
In many cases, good maintenance is the difference between a denied and approved insurance claim. Take steps to maintain your property today – before one summer storm means you’re too late.
Houston Office: (877) 202-0204 405 Main St Suite 700 Houston, TX 77002 San Antonio Office: (210) 880-3211 18911 Hardy Oak Blvd #124 San Antonio, TX 78258 Dallas Office: (469) 351-6611 701 Commerce St Dallas, TX 75020
Public Adjusters are available to help with your insurance claim.