Is Hail Damage Covered…?
We’ve all seen the damage from the most recent storm. Photos of dented car panels, broken windows, damaged car ports, and roofs. Yikes! It has been years since the PNW has gotten golf ball-sized hail, but every once in a while it happens and it wreaks havoc on our belongings. If you’re worried about the next storm, or unfortunately weren’t covered correctly through the last one, we can help make sure you’re protected through the correct insurance policy.
Home Owner’s Insurance
A typical homeowners insurance policy includes dwelling coverage. It protects the building and will cover the expenses to repair or rebuild if you have damage from certain events. Some of those unfortunate events include:
- Fire
- Windstorms
- Hail
- Lightning
- Theft
- Vandalism
Business Property and Interruption Coverage
When you purchase business property insurance, it protects the physical aspects of your business from damages. It covers the physical location that your business owns or leases, as well as the contents inside the building, such as tools, machinery, office furniture, equipment, and inventory. Business property coverage has a deductible and policy limits. You’ll need to make sure you select the right policy limit so you will have enough coverage to pay for any repairs or replacement costs. Make sure you have an accurate assessment of your business so you can choose the right policy amount.
Business interruption coverage is a great protection to have because it covers your business expenses when you have to temporarily close your business due to events beyond your control, like a crazy hail storm breaking all your windows. It’s also sometimes referred to as business income insurance, as it covers your lost income and extra expenses when your business is affected due to a covered loss.
Comprehensive Auto Coverage
Standard auto coverage won’t necessarily cover hail damage but if you have additional comprehensive coverage it can cover damage to your vehicle caused by something other than a collision, such as a storm or vandalism.
Make sure your belongings are covered for the next crazy storm and give us a call today to find the right coverage for you!
