Standard homeowners policies generally cover a wide range of potential disasters, from tornadoes and windstorms, to fire and lightning strikes, to winter storm damage caused by weight of ice and snow. Most homeowners policies cover all the disasters listed below. Some policies provide coverage only for the first 10 listed. It is important to check check your insurance policy for the specific perils covered.
Disasters That Are Not Covered
- Floods-Flood damage is excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program through Southern Insurance Associates, a certified NFIP approved Flood agency.
- Earthquakes-Earthquake coverage can be a separate policy or an endorsement to your homeowners or renters policy. It available from most insurance companies.
- Maintenance Damage-It is your responsibility to take reasonable precautions to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance, mold, termite infestation and infestation from other pests.
- Sewer Back-Up-Sewer backups or the inability of sump pumps to handle runoff water from major downpours are not covered under a typical homeowners insurance policy, nor are they covered by flood insurance. Those types of coverage must be purchased either as a separate product or as an endorsement to a homeowners policy.”-usually an additional annual premium of $40-$50
Many homeowners may not realize that they are responsible for the maintenance and repair of their house or sewer lateral—the pipeline between the city sanitary sewer main, usually located in the street—and the building. The sewer lateral is owned and maintained by the property owner including any part that extends into the street or public right of way.
Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot] com for a review of your insurance coverage or to discuss new insurance or coverage options.
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