With hurricane season around the corner, it’s crucial for North Carolina residents to start preparing for whatever Mother Nature may bring. This includes making sure you have adequate homeowner’s insurance. You don’t want to take the risk of waiting until a storm is in the forecast to determine if you have the right coverage for any losses you may experience. While a standard policy technically covers hurricane damage, there are certain elements that you could still be vulnerable to. Learn how to protect your investment from disaster with this guide.

How to Make Sure You Have Adequate Homeowner’s Insurance for Hurricane Season

Windstorm Insurance

Homeowners in certain coastal cities will need to purchase windstorm insurance in addition to a basic policy. Although wind damage is typically considered standard coverage, it’s often excluded in high-risk areas. Check your policy carefully to see if you’re covered for wind damage; if not, explore your options through the state wind pool program. This will protect your home, possessions, and any detached structures on your property.

Flood Insurance

All homeowner’s insurance policies are written to exclude damages caused by flooding. Thus, living in a region that’s prone to hurricanes, purchasing a separate flood policy should be a top priority. These can be purchased through the National Flood Insurance Program and will cover up to $250,000 for structural damage and $100,000 for personal belongings. If you need more coverage, you can purchase more from a private insurer. Keep in mind that it takes 30 days for a flood policy to go into effect, so it’s essential to have it in place well ahead of the stormy season.

Additional Living Expenses Coverage

In the event your home becomes inhabitable due to hurricane damage, your homeowner’s insurance will provide funds for you to secure a temporary living arrangement. You’ll want to be sure you have sufficient coverage for additional living expenses so you won’t be out of pocket for costs such as hotel bills and restaurant meals while your home is being repaired or rebuilt. This is also important for those who rent out part of their home, as it will reimburse property owners for lost rental income.

To determine if you have any gaps in your homeowner’s insurance that need to be filled before hurricane season arrives, contact Craig Giovani State Farm® Insurance Agent. Over the years, countless residents in Mebane, NC, and the surrounding communities have benefited from his vast industry knowledge and experience. He will help ensure your policy is perfectly customized to match your unique coverage needs. Find out more about the products and discounts he offers by calling (919) 300-5911, or visit him online to request a quote.