Hurricane season is around the corner. In fact, there’s already a chance that a storm currently in the Caribbean Sea could become the first hurricane of this season. The official start of the season is the first of June. As many remember, hurricanes can be a major problem for coastal New Jersey residents, as well as those living farther inland. Recent storms like Hurricanes Irene and Sandy delivered heavy rains, flooding and high winds that wound up causing heavy damages in the area. So, be prepared this year for hurricane season with the right insurance plan.
When it comes to hurricane damages, coastal towns and flood areas can be the hardest hit. Flood damage is not easy to recover from and it’s important to remember that most homeowner’s insurance plans do not cover flood damage. That means you need separate flood insurance if your home and property are in areas that flood easily. If you remember the hurricanes mentioned above, you likely remember whole shore towns covered in several feet of water. This led to lost homes, destroyed business, and damaged property costing a lot of money. Make sure you’re prepared for this possibility by making sure your home, business, and property are insured for the right amount.
Flooding isn’t the only danger from hurricanes and tropical storms. High winds can wreak havoc for miles during one of these storms. That means trees can be downed, electrical lines can be severed, and roads can be blocked. All of this equals a highly dangerous environment for your home and property. Trees coming down on your home or vehicle can cause thousands of dollars in damages, if not more. Downed power lines can lead to fires and electrical issues that can cause damage to your property or even destroy your home. And blocked roads can make it hard for professionals to make repairs and manage any fires that do occur.
It’s important to make sure that you have a comprehensive insurance plan that covers damage to your home, vehicles, and other property that can occur from high winds during a hurricane. The right insurance plan will make it easier to recover from these losses and make sure you have the resources to rebuild after such devastation.