A hurricane or strong wind is capable of causing considerable damage to your home or car. Wayward trees can fall and debris can fly around. No matter how much you prepare, you can’t control everything and, unfortunately, damage can happen. During storms, the safety of yourself and your family should be the foremost concern, not how you'll recover from damage. Having adequate insurance coverage in place can help protect you financially from damage. To have the right coverage in place, it's important to know what your specific insurance policy covers. When it comes to unexpected events, you'll want to be familiar with what your insurance company considers "Acts of God" and what protection they provide for these types of events.

Different insurance companies define acts of god differently. To some insurance companies, high winds fall in that category, however, they don’t with other companies. Talk to your insurance agent about the different components of your insurance and what additional coverage you may need. In some cases, you might need an extra clause past standard and comprehensive insurance.  However, your needs are unique so there is no cookie-cutter policy.  Speaking with your agent will ensure that you are properly covered against potential dangers.

What are Acts of God in insurance?

In terms of car insurance, an “Act of God” is typically any nature-related event that causes damage to your auto or an accident. For example, if your car is damaged from a hurricane whipping through your town and knocking a tree into your car, it may be considered an act of God. Other acts can include hail or if an animal runs in front of your car and causes damage. Similar events could be defined as Acts of God for your home as well. The best way to know what your policy covers, whether under Acts of God or otherwise, is to consult your insurance agent or the policy language itself.

Making Sure You’re Covered

To ensure you have adequate coverage in place again the unexpected, talk with your insurance agent about your coverage levels and to get the specifics on what your insurance company considers as acts of God. Don’t wait to ask until it’s too late! For example, if your home floods, it can cause thousands of dollars in damage. Unless you specifically have a flood insurance policy, you will not be covered. Being ill-informed about your policy could end up costing you a lot of money out of pocket!

Be aware that while you may consider floods, earthquakes, and even sink holes acts of God, these catastrophes often require a separate policy.

Make Sure You are Prepared

Whether you are dealing with a fire, a storm, a tsunami or some other catastrophe, consider the risks your home or car could face in your local area and how best to address those risks via insurance. An insurance agent can help you assess the types of coverage you should consider and how much coverage would be best for your situation. A basic auto insurance or home insurance policy may not be enough and your agent can help you weigh the benefits of supplemental or additional coverage, like flood or earthquake insurance.

Don’t wait until disaster strikes and it’s too late!

Compare quotes and examine your coverage options with the help of one of our licensed insurance advisors! Give us a call today at( 844) 300-3364!

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