It’s severe weather awareness week and the Insurance Alliance of Michigan says both homeowners and renters should review and understand their insurance policies before severe weather hits Michigan.
Typical springtime weather will eventually arrive and this will mean high winds, associated with thunderstorms, heavy rain, hail and possibly even tornadoes. If high winds or hail hit and damage your home, insurance officials say, you should know whether or not you’re covered.
Most damage caused by severe storms is covered by homeowners, renters, or commercial insurance policies, but that doesn’t mean you are fully protected – and most times, flooding is not covered.
Insurance officials say it’s also important to make an inventory list of what you own.
“Have photos and receipts of what you own,” says Lori Conarton with the Insurance Alliance of Michigan. “If you do have a loss, it’s a very stressful time and you may not remember everything you have, so if you have a home inventory prepared that will help settle your claim faster.”
Since 1950 there have been more than 1000 confirmed tornadoes in Michigan, and it doesn’t take a tornado to rip roof tiles off. Straight line winds whip through Michigan a lot during severe thunderstorms and can cause major damage.
Officials say, have a plan of action for all types of severe weather and as for insurance, call your agent when in doubt