Steps to Preparing for Severe Weather Season:
Homeowners insurance policies should be reviewed each year to ensure coverage is adequate. It’s easy to forget about important household purchases or home improvements. The current level of coverage may not be enough to replace what a consumer owns.
Renters should consider purchasing or reviewing their renters insurance to avoid issues.
Review your roof coverage. Insurance policies and levels of coverage vary greatly. One common concern in Missouri are roof repairs as a result of storm damage. Some insurance policies may cover full replacement—while other policies may depreciate coverage based on the age of the roof. DCI provides a roof insurance guide to assist consumers in reviewing their policies based on available options.
A standard homeowners policy does not cover flood damage. Consumers may want to consider reviewing the National Flood Insurance Program, especially if living in an area with frequent floodwaters. It’s important to be proactive if considering flood insurance as there is often a 30-day waiting period from the date of purchase for these policies to go into effect.
Do a home inventory and document your personal belongings. A simple step that will help assist consumers file a severe weather claim is documenting their personal property. DCI’s home inventory checklist guide makes it easy to record these household items.