2017: The Most Expensive Hurricane Season Ever and the Importance of Having Insurance
Earlier this year, we were reminded just how deadly hurricanes can be and that no community, no matter its size, is immune to their destruction. High winds, torrential rainfall and flying debris caused billions of dollars in damage across the U.S., and thousands lost their homes. If your home were to suffer damages due to a storm, wouldn’t peace of mind in knowing that an insurance policy can help ease the recovery process make things better?
Contact our insurance agency in McAllen today so we can help you find a policy that’s right for you and your property.
This year’s hurricane season turned out to be the most expensive in history. In total, there were 17 named storms, and ten of those were later classified as hurricanes. Three even reached category four status and made landfall on American shores.
Even a record-breaking 60 inches of rain fell in Texas due to Hurricane Harvey, and another record was set from Hurricane Irma, which maintained category 5 status for a whopping 37 hours over Florida. In total, over $200 billion in damages were caused by this year’s hurricane season.
Obtaining a Homeowner’s Policy
We can’t prevent severe weather from occurring, but we can help you get your life back in order after a storm hits. The first step is obtaining a homeowner’s insurance policy. There are many coverages that these policies have, but for severe weather, the most important is dwelling insurance.
This type of coverage protects your home in cases of natural disasters and harsh weather, as well as fires, theft and vandalism. If you own any valuables, such as expensive jewelry or family heirlooms, save your receipts and document those items to show your insurance agent so he/she can determine how they should be covered.
If you want or need to purchase additional coverage, that can depend on several factors, like if you’re financing your home and where you live. If you live in a low-lying area that floods easily, then consider flood insurance. Also, your home’s construction date and elevation can determine a flood insurance rate.
Something else to strongly consider is windstorm coverage. This is an additional insurance policy that can cover your home in times of severe weather, but there’s a caveat: to purchase a windstorm policy, you must be a resident of one of the 14 counties along the Gulf of Mexico. Windstorm insurance is not required by the state, but certain home lenders do, and properties needing this coverage must be in insurable condition.
Protect Your Home
Hurricane season is finally over. Unfortunately for some, especially after this year’s severe weather, their lives will never be the same. Don’t face another hurricane season without a backup plan like a homeowner’s insurance policy. Let one of our experienced agents help you find the right coverage for you and your property today so as to be secure in time for next year’s hurricane season.
Why You Should be Safeguarding Your Home Against the Valley’s Often Harsh Weather
May 21, 2020
Changing Car Insurance? Here Are Some Things to Keep in Mind
May 5, 2020
Let’s Debunk 4 of the Most Common Auto Insurance Myths!
April 16, 2020
COVID-19 – 4 Things You Should Know Before Buying Health Insurance
April 8, 2020
COVID-19: Why Health Insurance is a Must in 2020
March 20, 2020
3 Easy Steps You Can Take to Stay Safe During That Much-Needed Spring Break Trip!
March 9, 2020
A Watchful Eye: Don’t Fall for Car Insurance Scams!
February 24, 2020
Planning a Company Event? If So, Protect Your Business with an Insurance Plan!
February 10, 2020
5 Key Factors That Can Determine Your Car Insurance Payment Amount
January 31, 2020
Keep Your Home Safe with These 4 Easy Steps When Gone for a Weekend Getaway!
January 21, 2020
- Agency News & Information
- Agriculture Insurance
- Auto Insurance
- Boat Insurance
- Business Insurance
- Car Insurance
- Cyber Liability
- Flood Insurance
- Health Care
- Health Insurance
- HealthCare Reform
- Home Insurance
- Hurricane Season
- Information Security
- Motorcycle Insurance
- Personal Insurance
- Renters Insurance
- Safety Tips
- Workers Compensation