It’s Time to Review Your Home Insurance Policy
Fall is the ideal time to take a closer look at your home insurance policy before winter storms, frozen pipes, or unexpected disasters hit. Most people don’t realize that their policies have coverage gaps – especially when it comes to water, mold, or smoke damage. At DAI Restore, we see firsthand how insurance coverage makes all the difference when disaster strikes. Here is why fall is the best time to review your home insurance policy.
Why Review in the Fall?
- Seasonal risks are on the rise
- Heavy fall rains, clogged gutters, and stormy weather can lead to water damage and mold growth inside your home.
- Winter is around the corner
- Frozen pipes, ice dams, and furnace-related fires are common in colder months.
- Peace of mind
- Reviewing your policy now means fewer surprises if you ever need to file a claim.
- You’ve made changes
- Maybe you renovated your kitchen, built a deck, or purchased new furniture or electronics. If your coverage hasn’t been updated, these new investments may not be fully protected.
- Policy renewals
- Many policies renew at year’s end. Fall is the perfect time to evaluate your coverage before it automatically rolls over.
- Water Damage
- Many policies don’t cover flooding from outside sources like heavy rain or rising groundwater
- Sewer or drain backups, or sump pump failures often require a special rider
- A rider is an optional “add-on” to an insurance policy that provides extra coverage or benefits beyond what the standard policy offers
- Fire Damage
- While fire is typically covered, smoke or soot damage may have limitations
- Check for coverage of personal belongings, and not just the structure of the house
- Mold Remediation
- Mold is often limited or excluded from coverage, unless caused by a sudden, covered event like a burst pipe
- Preventive mold coverage usually requires an add-on
- Detached Structures
- Detached garages, sheds, or fences are not always fully protected under a standard policy
- Temporary Living Expenses
- If your home is uninhabitable, confirm whether your policy covers hotel stays or temporary rentals while repairs are underway.
How This Connects to Restoration Services
If disaster strikes, your insurance coverage determines how quickly and fully your property can be restored. DAI Restore works for you, not your insurance company. As professionals, we can work directly with insurance adjusters to document damage, streamline the claims process, and get you back home faster. It’s important to make sure you have all of the coverage you need to protect your home and your family.
For more information regarding our process of working with insurance companies, please visit our FAQs page.
Take Action This Fall
A quick review now could save you thousands later.
If the unexpected happens this season, the DAI Restore team is here 24/7 to help you recover, fast.
