Preparing For Disasters With The Right Insurance

When disaster strikes, you want to make sure you have the right insurance coverage.

Many people choose to go with the minimum coverage to save on cost.  However, taking that route could end up costing you in the end.

“The policies aren't all the same,” Donna Adams a State Farm Agent in Wichita Falls said.

She explained everyone needs house insurance.  It is a good idea to prepare for the worst.

“What happens with homeowners, they've got a choice on deductibles,” she said, “People want to save money.  Sometimes they'll take a larger deductible.”

Depending on your policy, you are only covered for certain things, such as hail damage.

“Texas for last year, had more hail claims than any place in the United States,” Adams said.

This is why they encourage residents to get hail resistant roofs, when they are replacing them.  Another issue with severe weather is water damage.

“Statistics we show, about 68-percent of claims have to do with water damage,” she said.

With high winds in Texoma, tree damage is also common, but depending on how the branches fall, the responsibility can change.

Adams said,” If my tree falls on your house, it's your problem, but if it falls in the yard then you have to pay to clean it up and haul it off.”

So, every once and a while walk around your home to see if there are any dead limbs or if the branches are getting too long.  If there are, cut them down.  Also, take pictures of the outside and the inside of your home.  This way you have documentation and proof of everything you own.

“If you take pictures, you can sit down with those pictures and you can make that list, which will be required at the time of a claim,” Adams said.

One thing that is not included in any policy is flood insurance.  Even though Texoma is in a drought, the National Flood Program said you should have this type of coverage.  Especially, since you never know when something can happen.

Make sure to check your policy every year, since it can change.  Also, compare your policy with other companies.  You want to make sure you have the best plan for your home, so if something happens, you are covered.

, Newschannel 6