Why Homeowners Should Reevaluate Their Coverage Before Storm Season

Oklahoma’s storm season is known for powerful winds, tornadoes and heavy rain. As these risks grow each year, it’s essential for homeowners to review their insurance coverage.

At HBI Insurance, we believe that reviewing your homeowners insurance before the storm season can make a significant difference in how well your home is covered.

Why Does a Policy Review Matter?

Storms can cause extensive damage to roofs, siding, windows and personal belongings. However, some policies may have exclusions or limits that leave you exposed to costly repairs.

By reevaluating your policy, you can:

• Confirm that your dwelling and personal property coverage limits are enough to cover current rebuilding and replacement costs.
• Identify any coverage gaps or policy exclusions.
• Understand your deductibles, especially if your policy has a separate wind or hail deductible.
• Check if detached structures like garages or sheds are adequately covered.

Key Coverage Considerations Storms

Homeowners face heavy rainfall and flash flooding during a storm. It’s important to check your policy for the following:

• Covers wind and hail damage, or if you need a separate windstorm endorsement
• Excludes flood damage, which typically requires a separate flood insurance policy
• Offers loss of use coverage to help with temporary living expenses if your home becomes uninhabitable

How Our Team Can Help

HBI Insurance can review your current policy, explain your coverage, identify gaps and recommend updates to help you financially prepare for whatever storm season brings. With our local experience, we’re committed to helping you cover your home and belongings.

Contact us today to schedule a policy review or discuss your homeowners insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.