Is Your Homeowners Insurance Storm-ready?

Homeowners in Austin, TX may face a variety of severe weather events, including hailstorms, tornadoes, hurricanes and heavy rains. At S&T Duran Insurance Agency, our team can help make sure your homeowners insurance is ready before storm season arrives.

Why Review Your Homeowners Insurance Before Storm Season?

Severe weather can cause significant damage, and not all homeowners insurance policies are created equal. Reviewing your coverage before storm season can help you identify gaps or exclusions. Our team recommends checking your policy details annually, especially if you’ve made recent home improvements or changes to your property.

Key Areas to Check in Your Policy

If you’re unsure where to begin, here are a few key details in your policy outline that you may check first:

• Coverage limits—Make sure your dwelling and personal property limits reflect the current value of your home and belongings. Rising construction costs and inflation can impact how much coverage you need.
• Storm-related exclusions—Some policies may exclude certain types of storm damage. Flood insurance is typically a separate policy, as damage caused by external water is excluded from standard homeowners coverage. Review your exclusions so you know what is and isn’t covered.
• Deductibles—Many policies have separate deductibles for wind, hail, named storm or hurricane damage. Understand how these deductibles work and how much you’d be responsible for if you need to file a claim.
• Additional living expenses—Check if your policy may cover temporary living costs if your home becomes uninhabitable after a storm.

Reach Out to Us Today

Weather can be unpredictable, but your insurance doesn’t have to be. If you’re unsure whether your homeowners insurance is storm-ready, our team at S&T Duran Insurance Agency is here to help. Contact us today to review your policy near you.

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.