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Is your home insured for natural disasters?

We live on a planet where virtually any kind of catastrophe could happen. No one tends to think about this, but your homeowner's insurance company thinks about it all the time. Furthermore, with the effects of climate change, unexpected natural disasters are becoming more commonplace.

Depending on where you live, there could be the risk of home damage from a "snowpocalypse," hurricane, tornado, flood or earthquake. Worst of all, in the unlikely event that something like this happens, most homeowners will not be able to seek insurance benefits to pay for the destruction of their homes.

Make sure your insurance policy covers natural disasters

Unfortunately, most homeowners' insurance packages don't include natural disaster coverage. They'll insure you in the event of theft, fire damage and other situations, but if you live in an at-risk area, you might not be covered for flood damage, tornado damage or wildfire damage automatically.

To get coverage for a natural disaster, you may have to pay a little more, but it's worth it. It's tempting to say no to these policy additions, as they will increase your premiums, but -- in the event that a natural disaster strikes -- you'll be glad you have the coverage.

Get help reading the fine print on your homeowners' policy

Certain natural disasters are highly unlikely to happen in Plano, Texas. For example, the only volcano in our state is Pilot Knob near Austin, and it hasn't erupted since the late Cretaceous period. That said -- however unlikely it seems -- Plano, Texas, residents could find themselves facing home damage from wildfires, floods, hurricanes, tornadoes or some other calamity.

Before agreeing to your homeowners' insurance policy, consider meeting with a local real estate lawyer who represents people in homeowners' insurance coverage disputes. Your lawyer can check whether you're covered for the appropriate kinds of natural disasters by reading the fine print of your policy.

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The Barbknecht Firm, P.C.
1700 Alma Drive, B Tower
Suite 290
Plano, TX 75075

Phone: 972-312-1510
Fax: 972-312-1511
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