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If you have lived in the Oklahoma City, OK, area for any period, you’ve likely experienced our intense spring and summer storms. Accompanied by lightning, heavy rain, and high winds, these storms are a common occurrence.
At Freelander Insurance, we assist our clients in managing the risks of these storms, including any losses that may occur during a tornado.
Which specific events does the wind portion of your homeowner’s policy cover?
When considering the consequences of high wind damage, most people first think of roof damage. However, high winds can also damage other aspects of a home, such as siding (wood, vinyl, and aluminum), doors, windows, and more.
High winds can also cause trees to fall, potentially causing damage, knocking down fences, damaging outbuildings, or causing damage from flying debris. If unsecured flying debris leads to an injury to someone, the liability portion of your homeowner’s insurance policy can be invaluable. For more information, please check your policy.
Excluding your homeowner’s insurance deductible, each situation is likely covered under your primary homeowners’ insurance policy.
A note on flood insurance.
While your home insurance policy likely covers wind damage, you must be aware that it probably does not include associated flood damage. Flood insurance, a separate coverage, is managed through the Federal Government’s Flood Insurance Program. As more homes become susceptible to flooding, it’s an option that deserves consideration.
Contact us for a quote today.
For those living in the Oklahoma City, OK, area, we at Freeland Insurance encourage you to contact us. We can review your policy and ascertain your coverage and limits. If you wish, we can also provide a quote for new coverage.