Tropical Storms Marco and Laura: Insurance typically covers some, but not all, damage

As Tropical Storms Marco and Laura barrel toward Louisiana, you may wonder how well your homeowners or renters insurance will hold up in a natural disaster.

Here’s what you need to know about your insurance covering your house or apartment. Cars are another matter, but we’ll get to that, too.Homeowners, condo and renters insurance cover damage sustained from most perils, including tornado, hurricanes, severe storms, rain, wind and fires.

For earthquakes, you must buy a separate policy from a private insurer or, if you live in California, from the state’s California Earthquake Authority. In some states, insurers will cover sinkholes if you buy separate coverage.Some policies may also exclude specific weather in certain areas where it's common – such as windstorms for coastal states.

Any theft or damage done to your home by looters or vandals after a disaster is also covered by your homeowners, condo or renters policy.Gulf Coast braces for 'unprecedented' challenge as Tropical Storms Marco and Laura surge toward landfallYou can deduct personal property losses not covered by your insurance, but only if the damage is from a federally declared disaster. This is a significant change under the new tax reform law.

Make sure your insurance policy accurately describes your home – including square footage, number of rooms, age and materials it’s constructed from. It should also account for any recent improvements – like a new roof or water heater – and upgrades – such as a room addition or new pool.

Source: Insurance Report (insurancereport.net)

Does insurance cover the damage done by the Black Lives Matter movement riots?

If you have to ask, you don’t have flood or hurricane insurance...primarily because you can’t afford the premiums...no one can.

H1B holding Brahmin Indians MUST NEVER be issued American Insurances. The Indian govt. have wisely frozen their LIC or local insurances in India due to absence.

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