Does Home Insurance Cover Home Improvements?

Posted on April 30, 2025April 28, 2025 by admin

Homeowner’s insurance protects you from suffering a massive loss when theft, natural disasters, or other situations involving damaged or missing property occur. However, many home remodeling projects can also help safeguard your home, such as removing a risky tree. Some remodeling projects may involve theft or be done incorrectly. Will your homeowner’s insurance help you out?

Standard Coverage

Standard coverage doesn’t cover home remodeling projects, including preventative maintenance like removing a risky tree. However, homeowner’s insurance will usually help you remove the tree if it falls on your house or another covered structure.

Most policies don’t reimburse you for materials or for hiring a contractor. However, you can always double-check with an agent at Atkinson Casey Agency.

However, some policies will cover specific situations. For example, if theft is covered in your policy, and a contractor steals from you, homeowner’s insurance will help you. Likewise, homeowner’s insurance may cover lawsuits if someone on the job sues you.

Remodeling After Natural Disasters

Many homeowners in Monroe, GA choose to remodel after natural disasters. This can be tricky when working with a homeowner’s insurance company. How much your policy reimburses you often depends on the fine print.

Flood insurance typically covers the cost of water removal and cleanup. It may help cover the cost of new cabinets and other items lost due to water damage, which can help you remodel your kitchen. However, the policy typically won’t cover anything that isn’t damaged or exceeds policy limits.

We understand how exciting it can be to watch your dream home take shape slowly, or that you may want to remodel after a natural disaster. Always speak with a professional agent at Atkinson Casey Agency to ensure you understand your coverage. Contact us to learn more about our insurance options today! We’re currently serving the Monroe, GA area.

Natural Disasters and Your Home: How to Ensure You’re Fully Protected

Posted on January 30, 2025January 27, 2025 by admin

By nature, natural disasters aren’t always predictable. While we’d like to think our homes are safe, the truth is, there are things that a responsible homeowner should do to ensure you’re fully protected, including ensuring you have a great insurance policy through your Atkinson Casey Agency serving Monroe, GA.

Consider Specific Risks

Start by reviewing your existing policy to identify potential gaps. Standard home insurance often covers damages from windstorms, hail, and fires but may exclude specific risks like floods or earthquakes. For instance, if you live in a flood-prone area, consider purchasing separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. Similarly, earthquake coverage may require an additional rider or a separate policy.

Evaluate Coverage Limits

Next, evaluate your coverage limits. Ensure the policy includes enough to rebuild your home entirely if it’s destroyed. Replacement cost coverage is a better option than actual cash value, as it accounts for the current cost of rebuilding rather than factoring in depreciation. Don’t forget to inventory your personal belongings. A detailed record can help you file claims more efficiently and prove ownership if items are lost or damaged.

Understand Deductible

Understanding your deductible and how it applies to specific disasters is also wise. Some policies may have separate deductibles for events like hurricanes, expressed as a percentage of your home’s insured value. Knowing this ahead of time can help you prepare financially.

There’s a lot you can do as a homeowner to fortify your home against disasters, like installing storm shutters, securing loose roof shingles, and using fire-resistant materials around your home. Combine this with a robust home insurance policy from your representative at Atkinson Casey Agency serving Monroe, GA, and you’ll have peace of mind in addition to added protection against nature’s unpredictable forces.

A Tree Fell On My House! Will Home Insurance Cover It?

Posted on October 28, 2024October 23, 2024 by admin

Home insurance can pay to repair or replace your home when a covered event occurs. If a tree has recently fallen on your home, it’s important to know if this is a covered event.

Trees can cause significant damage when they fall. At Atkinson Casey Agency, servicing Monroe, GA, we help homeowners navigate the complexities of their insurance policy. Here is some information you should know if a falling tree recently damaged your home.

Understanding Home Insurance Coverage

Windstorms can cause a variety of problems for homeowners. Roof damage, damage from trees, and other issues can all occur due to strong winds. Home insurance covers damage from windstorms. So, if your home was recently damaged in a windstorm that caused a healthy tree to fall on your house, your insurance policy may cover it.

If the tree was rotten and fell because of that rot, your home insurance policy may not cover it.

Filing a Claim: What to Expect

To file a claim with your home insurance company, start by contacting your insurance agent. Your agent will connect you to a claims adjuster and provide you with the forms you need to start your claim. Save any receipts from the clean-up and repair. These receipts may become important during the claims process, as your insurance company may ask to see these receipts to get you reimbursed.

If a falling tree recently damaged your home, contact your insurance agency. Whether you want to know more about filing a claim or just want to know what else is covered by your home insurance policy, contact Atkinson Casey Agency, servicing Monroe, GA. We’re here to help.

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