Many people believe that their home insurance covers damage from natural disasters. Some of this kind of damage is covered if the home is located in an area where natural catastrophes are rare. But, United Insurance Services, Inc., serving Bluffdale, UT, would like to inform you that if your home is located in an area where natural catastrophes are more common, such as a flood plain or an earthquake fault, you may not be covered by your regular home insurance. You will likely need to buy a separate natural catastrophe insurance policy.
It is clear why a separate natural catastrophe insurance policy may be necessary. Some events, such as a storm or a hurricane, will do damage, such as roof or window damage. But an earthquake, tornado, or flood can destroy a home. Without a natural catastrophe insurance policy, you may be facing a total loss of everything you own except the clothes on your back.
Also, some natural catastrophe insurance policies will cover damages resulting from human-caused catastrophes, such as a riot. The cost of replacing the structure of a home or business and its contents can be enormous. A standard insurance policy may not cover such losses.
How do you find out whether you need to add natural catastrophe insurance to your standard policy? Feel free to contact the United Insurance Services, Inc., serving Bluffdale, UT. We will be happy to assess your risk and determine whether a natural catastrophe insurance policy is right for you.