Severe weather can cause significant damage to homes and other property. Regarding windstorms in Plano, there is no guarantee that your standard home insurance policy will cover the cost of repairs. Depending on your policy’s language and the storm’s severity, you may need additional coverage to protect your home from high winds. Let’s look at what you should know about windstorm coverage in Plano and why it’s essential to understand what is covered—and what isn’t. 

What Exactly Is Windstorm Insurance? 

Windstorm insurance provides additional protection for homeowners who live in areas prone to high winds, such as hurricanes, tornadoes, and thunderstorms. This insurance covers damage caused by wind, hail, lightning strikes, or debris from these events. It typically covers damage to roofs, windows, doors, fences, patios, and garages—all of which can be costly to repair or replace after a severe storm hits. Paragon Independent Insurance Agency can review your home insurance policy and help you determine if windstorm coverage is right for you. 

Does a Standard Home Insurance Policy Cover High Winds in Plano, TX? 

The answer is not always clear-cut. Instead, it depends on the language of your policy and the severity of the storm that caused the damage. Generally, windstorm insurance policies are separate from regular homeowners’ insurance policies. So, even if you have homeowner’s insurance covering some storm damage (like water intrusion due to rain), it will likely not cover all types of storms, such as those involving high winds or hail, and as such, purchasing an additional windstorm policy can provide extra protection for your home against severe storms in Plano, TX. 

If you have questions about whether your standard home insurance policy covers high winds in Plano, TX, or whether additional coverage is necessary for your specific situation, contact Paragon Independent Insurance Agency today for more information.

Many homeowners are uncertain about what their home insurance policies cover. One common concern is whether a home insurance policy covers items outside the home, such as furniture and equipment. To help answer this question and provide peace of mind for Plano, TX residents, let’s look at what you need to know about home insurance and items in your yard. 

What Is Covered? 

Most standard home insurance policies cover the structure of your property—including any permanent structures like fences or sheds—and the contents within your home. This means that your home insurance policy will cover any furniture, electronics, and other items inside the house from losses because of theft or vandalism. However, coverage may vary depending on your policy.

What Isn’t Covered? 

Items that aren’t considered part of your structure, such as unsecured furniture, sporting equipment, and other belongings left outdoors, can be damaged by severe weather, vandalism, or theft. Because it does not protect these items against these risks under the standard policy, you may need additional coverage to protect them in an emergency. Check with Paragon Independent Insurance Agency to see if additional coverage suits you. 

What Can You Do To Protect Your Items? 

Invest in covers and locks for your belongings to keep your outdoor items safe from weather-related damage and theft while still enjoying them while they’re in use outdoors. Also, storing anything valuable indoors is always a good idea to keep it safe during inclement weather, which is common in Plano, TX.

The best way to know precisely what it covers under your current policy is to talk with an experienced insurance agent. Contact us today to learn more! At Paragon Independent Insurance Agency, we can help you review all the details of your existing policy and discuss options for increasing coverage if needed.

When you buy a home, it is wise to get homeowner’s insurance to cover costs in case of accidents or damage from natural disasters. You may wonder, with all of the different options, how you find out what is suitable for you and your home.

Structure of the home

The first thing you should think about is how much it would cost to rebuild the structure of your home. Several things can impact how much it would cost to rebuild a home.

• Construction costs in your local area
• The square footage of the structure
• Types of exterior construction materials
• Size of the house
• Number of bathrooms and bedrooms
• Types of roof materials
• Other structures, such as sheds, fences, garages, etc.
• Types of special structures like arches, fireplaces, special trim, etc
• Whether it was custom-built or not
• Added renovations that would affect the value of the home

Personal possessions

Most standard home insurance policies cover about 50 to 70 percent of the value of the structure for personal possessions. To determine if you have enough coverage for your valuable items, it is wise to do a walkthrough of your belongings. Next, it is a brilliant idea to add up the cash value or cost to replace your expensive and valuable items.

Additional living expenses

If a natural disaster occurs and makes your home unlivable for some time, your insurance could help pay for additional living costs. This could include a hotel room or another place to live while your house gets fixed up and becomes livable again. Many insurance companies vary in their limits for additional living expenses, so it is wise to shop around and see what your insurance company offers.

Liability

Some policies provide up to several thousand dollars in liability coverage. Liability coverage covers medical costs and damage to someone’s personal belongings if something happens on your property.

Contact Us

There are many steps to deciding how much coverage you need for your home. Contact us at Paragon Independent Insurance Agency in Plano, TX for more information.

Your home insurance policy will likely cover damage to your home’s roof or siding caused by hail. Unfortunately, one of the things that we at Paragon Independent Insurance Agency, serving the greater Plano, TX area, have seen is that many homeowners often do not know what the signs are that hail has damaged the siding or roof of their home. As such, they do not file a claim and do not get their house repaired. Here are a few of the key signs that hail may have damaged your home’s roof or siding. 

There Are Dents In Your Siding or Roof

If hail has damaged your roof or siding, it will likely leave dents behind. If you notice indentation marks on your roof or siding after a hail storm, you should have a professional inspect your roof and siding to see how extensive the damage is and whether repairs are needed. 

You See Cracks or Chips in Your Siding or Roofing Materials

Another sign that hail may have damaged your roofing or siding materials is that cracks or chips are present. If you see chips or cracks, you know that hail has damaged these materials. 

You Experience Water Leaks After a Hail Storm

Finally, if water leaks into your home after a hail storm, your siding or roofing has been damaged. Repairs are needed to fix the roofing or siding damage. 

Hail damage is not something that you can prevent or protect against. However, having the best home insurance policy for your needs helps to ensure you are covered if a hail storm does damage your home. If you are in the greater Plano, TX area, the team at Paragon Independent Insurance Agency can help you find the policy that best fits your needs. Reach out to us today to learn more or to request a quote.