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Hail StormIt’s time to reevaluate your insurance policy before Spring Storms

You know that feeling you get in your stomach with the sirens sound in the spring? Yeah, we do too. As much as we love the warmer weather that comes with springtime, we are also blessed with the severe weather that comes with it. As the saying about Texas weather goes, “wait a minute and it will change”, nothing could be more true.

So, instead of waiting for the next big storm to reevaluate your policy, now would be an excellent time to capitalize on the calm before the storm. We encourage our clients to review their Homeowners Policy as well as their Auto policy to ensure you have the best coverage possible.

In the event of a hailstorm, knowing what to do after a storm comes through is paramount.

First, you want to find a reputable roofer or contractor to come assess your home. If it’s determined you will need damage fixed, only then would you want to file a claim. Filing a claim prior to getting any assessment might end up costing you in the end.  Having all of this information before calling your insurance company is crucial to saving you money in the end.

In addition to Homeowners, one tidbit of information you may or may not be aware of is how you can control your deductible…especially on your auto policy.  You can look into a lower comprehensive deductible (other than collision) which could significantly lower your out-of-pocket expense on your vehicle repairs. Most standard auto policies have a $500 deductible in regards to damage inflicted by a storm. In short, you’re out $500 of your own money until your insurance kicks in to cover the rest. Wouldn’t it be nice to only be out $50?

Boring numbers and policy talk aside, at Ramey King, we’d love to have a conversation with you about these changes to your policy. Feel free to give us a call and we’d be happy to go over your current coverage and find better ways to save you money in the end.

Want to Read More?

  1. What to do after the flood or hurricane damage?
  2. 8 Things to Look for in Picking a Roofer
  3. 3 Benefits of a Home Inventory When Buying Home Insurance