We all know that homeowner’s insurance covers our homes in the event that damage occurs. But many don’t know that it doesn’t cover everything — like disasters. Disaster insurance covers what we call “acts of God,” or unpredictable, devastating events like flash flooding, wildfires, or tornadoes. In these catastrophic moments, you need the time and space to recover and focus on healing.
You shouldn’t have to add stress to an already stressful situation by negotiating with insurance companies or wondering whether or not you have the coverage you need. But you should also know before a storm that your standard policy probably isn’t enough to cover damage from floods or wind and wind-driven rain. And even if your property insurance does cover this type of damage, you may have giant deductibles that could make it even more challenging to begin disaster restoration.
In today’s blog, we’ll be looking at a few of the reasons why you should have disaster insurance and the types of disasters that can be covered with a more comprehensive plan. In the awful event that you experience a disaster, know that BroadShield Restoration is here for you. We’re experts in damage control, disaster restoration, and we even help you make sure your insurance company is giving you the support you need and deserve. Learn more about the restoration services we offer our San Antonio community, and continue reading to understand more about the types of disasters that can damage your home or business.
Floods
As residents of San Antonio, we know how flooding can devastate the state of Texas. Just this past spring, communities across East Texas felt the onslaught of flash flooding; parts of Houston (and sometimes the entire city) have been underwater nearly every spring.
Even if you haven’t personally experienced flooding in your area or residence, that doesn’t mean you shouldn’t prepare for it. This year was one of the wettest springs we’ve had in years. And it resulted in flooding and water damage to many properties. May was a month of torrential flooding across Central Texas, and the floods led to the deaths of 17 people.
According to My San Antonio, our city was spared from the worst of the weather, but we are one of the most flood-prone regions in North America. We’re prone to heavy rains, and all of our residents should have a comprehensive disaster insurance plan that covers flood and water damage.
In the event that your home is affected by flooding or another kind of water damage, it’s important to act quickly in order to prevent further damage, like structural damage to your foundation. BroadShield Restoration professionals are experts in damage control and we provide top-notch restoration services in our community. Learn more about water damage restoration and hold onto our contact information during flood season.
Wildfires
July was the hottest month ever recorded, and the last five Julys have been the five hottest of all time. Here in San Antonio, we know heat. But as the earth continues to warm, the risk of wildfires increases. Wildfire season has wreaked havoc on California.
Even though drought and fire in California dominate national news, there have been significant fires and wildfires across Texas as well. You can see the locations of incidents here on the A&M Forest Service Fire Activity Map. Wildfires primarily affect farms and ranches, but they also damage and destroy homes. Along with working to prevent fires, and being ready if a fire does occur, BroadShield Restoration recommends investing in fire insurance. Both smoke and fire damage should be covered by your policy, as smoke causes significant damage. Learn more about fire damage restoration and how our restoration company can help return your property to its original condition.
Fire insurance can pay for property damages, including restoration services, like the kind we offer. We also work with insurance companies to make sure that you’re getting the compensation you need, while saving you the headache of negotiations. Find out what your fire insurance policy covers, or check in with your insurance company to see if this type of disaster insurance is right for you. And, in the event that you have suffered from fire damage, contact BroadShield Restoration for all the restoration services you may need.
Thunderstorms and Hail
Thunderstorms and hail are the most common type of disaster to affect San Antonio, and we highly recommend you have a disaster insurance policy that covers hail damage. Fast-moving storms can come right through our city, knock out power lines, and cause extensive water damage.
You’ve probably seen the way the sky turns green and the dark clouds start moving toward your home. Because this is pretty commonplace in spring, we can think that thunderstorms aren’t that big of a deal — they’re definitely not disasters, right? But they are, and you should be prepared. Thunderstorms bring a wide array of damages, including wind damage. After you’ve made sure you and your loved ones are safe from the storm, call in our damage restoration pros. When it comes to disaster damage, we’ve seen it all, and we know how to help make your property look like new — as quickly as possible. Learn more about hail repair in San Antonio and Boerne today.
Tornado Damage
Tornadoes are the most sudden and violent storms on earth, and the damage they cause accounts for a large number of disaster insurance claims. Tornado Alley stretches from West Texas to Iowa, and while San Antonio sits outside of this zone, it’s still important to consider whether your disaster insurance plan covers tornadoes.
As we all know, insurance is complicated — it’s one of the reasons why BroadShield Restoration offers help with insurance claims as part of our restoration services. In terms of tornadoes, your general home insurance plan can cover some of the damages, such as damage caused by a power outage, some wind damage, damage to home caused by a tree falling on it, or temporary relocation. And your car insurance plan can cover damage to your car.
Larger, more comprehensive destruction, though, will not be covered by traditional homeowners insurance. And that coverage is provided by damage insurance for tornadoes. As with any insurance decision, you should consider the risks for your particular property, as well as your budget. In the event that a tornado does rip through San Antonio, BroadShield Restoration will be there for you and will help you determine what is (and isn’t) covered by your insurance policy. Learn more about tornado damage restoration and how you can make our restoration team part of your disaster plan.
BroadShield Restoration Services San Antonio
When natural disaster strikes, you can look to BroadShield restoration for help. Our construction experts will help bring your home back to what it was before, as quickly as possible. We know that home damage needs to be dealt with as quickly as possible, especially extensive damage from wind, water, and hail. San Antonio is a region that’s especially prone to damage, which is why we highly recommend all residents to invest in some form of disaster insurance. And if you ever have to file a claim, our team is here to help provide you with the detailed pricing and estimates you need to get the benefits you deserve. Keep our contact info close, and call us when disaster strikes — we’re here for you.
