Is Your Home Insurance Prepared For Severe Weather?
Our weather has been very unpredictable over the past number of years. According to the Climate Prediction Center, there is a greater than 90 percent chance that El Nino will continue to develop through the fall in the Northern Hemisphere and around an 85 percent chance that El Nino will last through the 2015-2016 winter. The presence of El Nino could mean we’re in a for a harsh winter but the Atlantic hurricane season should be less active.
How Does Homeowner’s Insurance Apply?
Most homeowner’s insurance policies will cover damage from rain but not from flooding. Flood coverage is excluded and you need to purchase a separate policy.
Take action now for winter’s unpredicted weather
- Inspect all windows and weather stripping.
- Check and clean gutters.
- Inspect your fireplace and flue system to ensure that they’re clean of any soot or creosote and that there aren’t any cracks or voids that could cause a fire hazard.
- Make sure that water runs away from your foundation.
- Check hot water heater for leaks.
- Insulate any water lines/pipes that run along outer walls.
- Check all smoke alarms and replace batteries.
- Repair roof leaks and cut away tree branches that could fall on your home or other structure during a storm.
Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey.