Preparing Your Home for Early-Summer Storms: What Insurance Covers 

Storms in Georgia may often bring rain, wind and hail that can affect homes. At Phil Kinney Agency, Inc, we help homeowners prepare for storm season. Taking steps now can help keep your home in good condition and ready for severe weather.

Practical Steps for Storm Preparation

These steps can help get your home ready for storm season.

• Roof and gutters: Look for loose shingles or damaged flashing and clear out gutters.
• Outdoor items: Move in anything that wind may pick up, such as furniture, grills and decorations.
• Trees and shrubs: Cut dead branches and trim limbs near your roof and windows.
• Windows and doors: Check seals and consider adding storm shutters or impact-resistant glass.
• Emergency kit: Have flashlights, batteries, water and non-perishable food on hand.

What Homeowners Insurance Typically Covers

Standard homeowners insurance policies may include the following:

• Wind and hail damage coverage may cover repairs to your roof and structure from wind or hail.
• Water damage coverage may apply to sudden incidents, such as burst pipes or rain through a damaged roof.
• Personal property coverage may cover belongings like furniture and electronics, up to your coverage limits.
• Additional living expenses coverage may pay for temporary housing costs if storm damage displaces you.

Check your policy’s exclusions and limits. Flood and earth movement coverage may need to be added separately.

How Our Team Can Help

Phil Kinney Agency, Inc can help Georgia homeowners understand their insurance options and prepare for storm season. Contact us today to review your coverage or get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.