Edmond Homeowners Insurance
Edmond homeowners insurance can help you care for your home. If you are looking to secure a mortgage in the state of Oklahoma, it is likely that you will be required to have a valid homeowners policy in order to sign a contract. Many OK insurance companies are available to help you make this purchase.
Edmond is located in an area that receives temperamental weather. Vicious storms and long periods of drought are not uncommon phenomena throughout the year. Edmond homeowners insurance will cover the cost of repairs should a period of difficult weather cause damage to your Edmond home.
Insurance for Fire Damage
Dry spells and periods of drought come with a worry of house fire as it is significantly easier for a fire to spread to other locations during these conditions. Any Oklahoma homeowners plan you purchase will count fire and smoke as a protected hazard. However, there may be a few steps you need to go through to ensure you can file a claim with your Edmond homeowners insurance agency in the event of an accident.
During a fire, your main priority should be ensuring the safety of your loved ones. Have a meeting place arranged near your Edmond property where you can go during an emergency so you can quickly determine who may need further assistance. Once everyone has safely gathered here call the emergency rescue crew responsible for your area of OK to deal with the flames. Do not return to your property until they have informed you it is safe to do so.
When you have been given permission to reenter your home, take photos or film the damage to the property. Also, make a list of all items which have been destroyed or will need to be restored due to smoke damage. Contact your Edmond homeowners insurance agent and deliver these reference materials when you file your claim.
Homeowners Insurance for Tornados
A tornado season strikes Oklahoma every year, and Edmond is no exception. Most homeowners policies include damage from wind or heavy precipitation in their plans, but few specifically mention tornados as a protected hazard. Read through your plan carefully, and contact your insurance agent if you are unsure what will be covered should a severe storm hit your home.
Heavy wind damage can pull off a roof or cause other structural damage that could result in a house protection claim, but it is likely most damage to your home during a tornado will be from flying debris. Installing storm shutters to protect your windows during severe storms may help prevent some of the damage that could occur in the interior of your house. This and other preventative measures, such as building a storm shelter may also earn you a discount on your Edmond homeowners insurance policy. Call your agent to see if they offer lower premiums for repairs you are considering for your home.
Planning for an Emergency
If disaster strikes your Edmond property, you may be relocated to another area of OK until the damage can be repaired. Many homeowners policies include a "loss of use" clause that will pay for the expense of renting an alternative property during this time. Keep an eye out for this provision when shopping for your insurance policy. You could wind up paying thousands out of pocket otherwise.
Unfortunately, many Edmond residents have filed an insurance claim after a natural disaster only to discover it did not offer the protection they thought it did. Usually this is because they set their deductible based on the market value of their home rather than the replacement value. The replacement value of your home is how much labor and materials to completely rebuild your house would cost in today's market. This number fluctuates frequently, so research this and update your homeowners policy often.
When you need to file a claim, you do not want to spend extra time looking for your Edmond homeowners insurance paperwork. Keep a copy of your policy and any other important paperwork you have in a fireproof container and store it in the room you use as a storm shelter. Because it may not be safe to reenter your home during a natural disaster you may wish to keep an additional copy of your Edmond homeowners insurance policy in a safety deposit box or other secure location away from your property.
The best way to guarantee you will be taken care of during an emergency is to have a strong Edmond homeowners insurance policy in place before you need it. Review your policy often to make sure it still offers the protection you consider essential to protecting your home. Compare policies side by side with your own to see if you could be getting more coverage for the price of your monthly premium. You can never be too thorough with your Edmond homeowners insurance research.