With fall just around the corner, many Connecticut residents are concerned about the impending stormy season. Hurricanes are just one occurrence that can cause property damage as well as injuries. As a trusted insurance provider in the state, K.L. Smith Agency offers this helpful guide.
3 Things Connecticut Homeowners Should Know About Hurricane Season
1. New England Faces a Few Different Risks
While hurricanes seem unlikely in Connecticut, New England faces a few different risks. Homeowners need to watch out for damage caused by high winds, which can result in downed trees and other flying debris. With torrential rain, flooding can also occur — particularly if your home is near a stream or river. If you live in the southern part of the state, coastal flooding will also be an issue.
2. Flooding Is Not Covered By Homeowners’ Insurance
If your home is damaged by flood waters and you only have a conventional home insurance policy in place, you’ll be left responsible for repairs. Flood damage requires a flood insurance policy, which fills in the gaps left by standard home insurance. Be sure to discuss all that a potential flood policy covers with your agent — as well as the coverage limits. Even if you have an appropriate policy, you might be left without coverage if the amount of damage exceeds the funding available.
3. Evacuation Plans Are Strongly Urged
Consider that normal routes may be blocked during a hurricane, so you want to map out a few different options when creating your evacuation plan. Also, make sure your car contains an emergency kit with automotive supplies like flares, spare tire/jack, and gas tank — as well as spare phone chargers and first aid supplies. If you can’t leave your home, be prepared to take shelter. This entails bringing all family members, including pets, into your home and taking refuge in a room with the least number of windows.
Invested in protecting Willimantic, CT, K.L. Smith Agency offers the benefit of over 62 years of experience. With an extensive range of insurance products, they can help you find affordable coverage for home, life, and vehicles. They also strive to provide clients with as much information as necessary so they can make the best decision. Call (860) 423-9294 today to speak with an agent about your specific needs. You can also send them a message online.