Georgia Insurance Commissioner Helps Consumers Prepare for Tornado Season

Tornado season occurs between March and August, and while a tornado may strike during any time of the year, their frequency occurs less during the other months. However, home insurance during all times of the year covers these problems. What will homeowner's insurance cover? Coverage A will cover the house which includes:

• Walls
• Cabinets
• Plumbing
• Electrical Systems
• Roof

Most homeowner's insurance policies will replace the structure and provide sufficient insurance to cover approximately 80 percent of the replacement. However, always insure to value because a failure to do so will result in a co-insurance penalty, which results in the company paying a percentage of the claim. 

Coverage B will cover the other structures for the insured location which include detached garages and sheds. Coverage C helps to cover personal property including theft, fire, lightning and water. Buying home insurance, people should keep their policy number and agent's phone number in a safe place. When afflicted with catastrophe, people will want to contact their insurance provider immediately. Homeowners can prepare for tornado season by listing their valuables, electronics and furniture. To do this, they can photograph or videotape their possessions and place the documentation in a safe place outside the home. When homes are damaged in a natural disaster, the burden of proof falls on the homeowner for what they lost. 

In addition, homeowners should understand the difference between actual cash value, also referred to as ACV, and replacement cost coverage for contents. With an ACV policy, the policy replaces the contents at the cost subtracting the depreciation. Severe Weather Awareness Week in Georgia occurs between February 2nd to February 6th. Homeowner's insurance protects people from other weather hazards including floods and fires.
Call Pachuta Insurance Today @ 706-769-2262

Sources:
NBC TV 26
Cordele Dispatch