Anyone who lives in New England knows that the weather can be very unpredictable. A common saying is that if you don’t like the weather you are having, wait a few minutes, it will change. Hot summers and cold winters are par for the course. Fall and spring are no picnic either. Having home insurance that can protect your investment is vital. In Boston, MA, Smoller Insurance Agency offers the personalized service that only a family-owned and operated independent insurance agency can offer.
Simply stated, many types of weather damage are covered by home insurance. In Massachusetts, the risk from hurricanes is rather small. On average one or two hurricanes make landfall on the east coast every year and of those, only about 3% reach Massachusetts. However, when they do reach this part of the country they can cause devastating damage. In 2019, hurricane Dorian brushed Cape Cod with tropical storm strength winds. If you worry about hurricanes, make sure that coverage is included with your home insurance.
Violent summer storms are probably a bigger concern to most residents since they happen with regular frequency. They come with lightning, thunder, heavy rain, and strong winds. They can take down trees and do major damage to your roof and other parts of your home.
Keep in mind, that flooding caused by severe storms and hurricanes or any other weather is not covered by home insurance. You need to have specific flood insurance to be protected.
Winter storms can cause a lot of damage. Your home insurance protects your home from most damage including damage from frozen water or snow in gutters etc. as long as the damage is not caused by lack of maintenance, you should be able to count on it.
Smoller Insurance Agency is here to answer any questions you may have about weather coverage and your home. Always read your policy for specific details.