Even when our Winters have been mild, Spring on Long Island is a joy that most of us eagerly anticipate every year. What we also tend to forget is that Mother Nature can also dish out some severe storms, which can cause residential and property damages and even losses. Grillo & Associates, a leading insurance agency on Long Island, assists many local residents in finding the best home insurance on Long Island, NY for their needs. For those of you who live in areas the State has designated as floodplains, we can also help you find the right flood insurance in New York so you’ll be optimally covered no matter what kinds of weather comes our way. Right now, many of you are contacting our team to ask, “Does my homeowners’ insurance cover spring storm damage?” In this posting, we’ll explore that question together so you’ll know the next call to make…to Grillo & Associates!
The general answer is, yes, most homeowners’ insurance on Long Island NY, will provide coverage for damages that are caused by spring storms. These include wind, hail, and toppled trees. Here’s where it gets confusing for some: it is important to understand the specifics of your policy since in some instances, such as if you live along the South Shore, some municipalities require that you also carry a separate flood insurance policy. Not to worry; Grillo & Associates’ professionals will be glad to guide you in determining your flood insurance in New York needs.
Here is a quick homeowners’ insurance on Long Island NY overview:
Damage Caused by High Winds and Hail: Damage to the exterior of your residence and property is generally covered by most homeowner’s policies. This includes damage to roofing, siding, and windows. However, we advise that you consult with our team to make certain you have adequate coverage in the event of multiple damages
Fallen Trees: If a tree on your property falls onto your residence and causes damage, that is generally covered. However, if a tree on your property falls onto your neighbor’s land causing damage/asset losses, that is another issue entirely. Again, speak with Grill & Associates to determine your risk and what solutions we can provide for maximum coverage in severe weather.
Water Damage: Be aware that certain rain-related damages are covered by most homeowners’ insurance on Long Island, NY. An example is if a storm damages a window or roof and water rushes in, damaging property and the structure itself. However, water damage caused by rising water (flooding) is generally not covered by standard homeowners’ insurance and will require you to obtain a separate flood insurance in New York policy. Here is where the professionals at Grillo & Associates will be glad to assist you.
The best time to find out any gaps in your homeowners insurance coverage is before you have to submit a claim. That’s why the professionals at Grillo & Associates advise that you give us a call. We’ll gladly review your existing policies and point out any additional coverages you might need for your complete peace of mind- no matter what Mother Nature has in store! Call today!
