With the likelihood of winter weather rapidly approaching for many parts of the country – and its having already arrived in a few more – now might be a time when many consumers are worried about snow, wind, and ice damage to their homes over the next few months. But the fact of the matter is that their specific home insurance policies might not protect them against everything they might face this winter. As such, it might be wise for insurance agents to both remind consumers what they’re up against and urge them to keep close tabs on their coverage.
While there are many types of accidents that can happen during the winter months that would be covered under a standard home insurance policy, the truth is that these plans don’t account for every eventuality to perfectly protect a homeowner, according to a report from Sacramento television station KCRA. For instance, flooding can happen more than people might think during this time of year, and for the most part, a person’s policy will need to have specific flood coverage to help protect them.
“The two perils in any homeowners’, renters’ or condo policies that are excluded are earthquake and flood,” Michael Yee, a local insurance agent, told the station. “Those are the two things, as residents of this area, we really need to pay attention to.”
Other problems may arise
Meanwhile, owners will also have to be vigilant of other issues, the report said. For instance, if a visitor slips and falls on some undetected ice on the property, the homeowner could be seriously liable, and that could complicate issues further. However, many of the other things they might be worried about will probably be covered with little to no issue.
The more insurance agents can do to educate consumers about what their policies do and don’t cover, and what they’ll need to do to sort out those issues, the better off all involved are likely to be in the event that they need to file a claim this winter. Consumers generally want to receive both high-quality customer service and low-cost coverage, and while these two ideals may not always be possible, the agents who demonstrably work the hardest to sort out such details will typically be the ones who enjoy the highest client satisfaction and retention ratings throughout the year.