Do I Have the Right Insurance Coverage?

Do I Have the Right Insurance Coverage?When disaster strikes, you need to have your home repaired ASAP. That can be costly. If you have insurance, you can qualify for financial help. But do you have the right coverage to cover the disaster that inflicted the damages?

A standard homeowner’s policy typically covers theft, vandalism, and fire damage. You may even be covered for water damage caused by malfunctioning appliances, leaky roofs, and a burst pipe. But many standard homeowner’s policies do not cover floods, hurricanes, earthquakes, and other natural disasters.

Supplemental Coverage to Combine Your Homeowner’s Policy

To ensure that you don’t have to suffer the financial burden of repairs and restoration when floods and other natural disasters occur, you will need to obtain a supplemental policy. These policies help defray the expenses that come with repairs and restoration from natural disasters that are not covered in a standard homeowner's policy. Many natural disasters are accompanied by flooding, which is why purchasing a supplemental policy for flood insurance is a good idea.

It is also a good idea for homeowners to acquire supplemental policies that cover personal property. Many policies, particularly those written to cover damages from natural disasters, don’t cover contents damage and restoration.

For those who are renting their homes, a renter’s policy is something to explore. This will cover any damage to personal items and can help with content restoration costs. Renters should be aware that the insurance policy of their landlord or the property owner does not cover them and their possessions. That is why a renter’s policy is worthy of consideration.

What to Do When Disaster Strikes

When a natural disaster strikes the Worland, Cody, and Powell area, Varney Clean Care is a restoration company you can count on. Our company has been in the restoration business for three decades and offers a variety of services that will help you get your life and your home back in order following an emergency. Our services include fire damage restoration, flood damage restoration, and content restoration. We can even assist with your insurance needs, taking another level of stress off your shoulders during trying times.

Don’t think twice when you need restoration help. Contact us at 307-347-6161 and our friendly staff will assist you with whatever you need.