Those of us in the Evansville, IN, area and the Midwest have become accustomed to summer storms. Heavy rain, high winds, lightning, and loud thunder have been part of our lives for several months of the year. We can take comfort in knowing that homeowner’s insurance is available, helping to protect against significant financial losses during these storms.

However, Trestle Insurance Agency wants to remind you that a homeowners insurance review can reveal some weaknesses in your coverage. Here’s what you need to be aware of:

Flood Insurance

Unless your policy includes special coverage under the Federal Flood Insurance Program, you are likely not covered for damages resulting from rising waters due to storms. Contact us for a specific flood insurance quote and to see if you qualify.

High wind damage

Most standard home insurance policies will cover damage to your roof, siding, and windows caused by high winds, including tornadoes. Damages to outbuildings, fencing, and downed trees are typically included in your basic homeowners’ insurance policy.

Lightning

Protection against fires from lightning and damage to electrical equipment may be covered. Check your policy for specifics on the coverage for electronics.

Associated damage

In the event of a fire caused by lightning, most basic homeowners insurance policies will provide coverage for damage due to smoke, water, and foam fire retardants used in fighting the fire. Immediate water damage resulting from roof damage is also commonly covered, depending on your policy and deductible.

Review your policy

It is easy to forget the specifics of a homeowner’s insurance policy, which is why carrying out an insurance review can be so useful. Contact us at Trestle Insurance Agency Inc. of Evansville, IN, for your free review and pricing quote. Are you prepared for Indianapolis summer storms? Find out by calling Trestle Insurance Agency Inc.