Kentucky is a unique state that has a wide range of weather throughout the year. Unfortunately, this means that homeowners could face damage to their home for any number of reasons from hail to floods. It is important to identify these dangers so that you can take the proper steps to avoid them or lessen the damage.
Hail causes millions of dollars in damage across the U.S. every year. Even small hail can pepper weak points on your roof or crack and shatter windows of your home. While most hailstorms occur in spring, unexpected storms in summer and winter may also strike in Kentucky.
Make sure that your roof is intact before storms hit. You may also want to consider replacing your roof with one that is storm resistant. While pricey, this can protect your home from expensive claims down the road. It can also save you money on monthly home insurance premiums.
Flooding is becoming an increasing problem across the U.S., including throughout Kentucky. A single flood can cause thousands of dollars in damage to your home. Unfortunately, most home insurance policies do not cover damage caused by natural flooding. This is why it is important to take the proper measures in protecting your home from possible damage.
Consider the landscaping around your home. Your home should sit at a high point rather than a low point so that water runoff doesn’t pool around the structure of your home. Also make sure your drains and gutters are cleared so water can run freely.
Wildfires are another danger that have been increasing in the U.S. for the past few years. Kentucky has thousands of acres that can dry out during the summer, which may lead to forest fires. A wildfire can destroy your home and everything in it. While there is no real way for you to fireproof your home, it is important to stay on top of the news and watch for signs of drought during the summer. Thankfully, homeowners insurance generally covers damage to your home and personal belongings caused by fire, so the most important thing in the face of a wildfire is making sure you and your family are safe.
If you have any questions about your home insurance policy or if you believe that you need additional coverage to protect against the unique dangers in Campbell, Kentucky, make sure to speak with your insurance agent.
Also Read: Choosing Homeowners Insurance In Fort Campbell
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