Home insurance for emergency situations

Emergencies, especially storms, can be

unpredictable and cause personal injury and costly damage to homes. The right insurance is essential to help mitigate damage from storms and soften the financial blow that such destruction can cause. Not all insurance is the same, and additional policies and riders may help reduce the impact of emergencies.

HOMEOWNERS I N S U R ANCE

Standard homeowners insurance policies will cover a wide range of issues. American Family Insurance says damage from wildfires, wind storms, tornadoes, ice storms, lightning strikes, hail, power surges, and fallen trees is included. But additional coverage may be needed to cover excessive damage.

MAT C H I NG SIDING COVERAGE

Some homeowners may want to replace all of the siding on their homes if parts are damaged and color or siding materials cannot be matched exactly by patching up damaged areas.

ROOF REPLACEMENT This insurance will be used to pay for the full replacement of a roof, minus the deductible, which may differ from what’s covered through standard homeowners policies.

SUMP PUMP OVERFLOW I N S U R ANCE

Sump pumps are designed to engage and pump water out of basements and crawl spaces, helping to avoid flooding in the home. If the power goes out and the sump pump cannot work, or if the sump pump fails, homeowners typically are not covered for any ensuing damage. Sump pump overflow insurance provides additional peace of mind and protection.

FLOOD INSURANCE

Homeowners insurance may not cover flood damage, especially if a home is in a flood zone. Flood insurance can bridge the gap of coverage. The National Flood Insurance Program offers building coverage and contents coverage policies. Building coverage will cover carpeting, electrical and plumbing systems, window blinds, foundation walls, and more. Contents coverage protects curtains, personal clothing and furniture, artwork, and appliances, among other things.