If you live in an area that is hurricane-prone, you probably know just how expensive homeowners insurance can be. Many insurance companies charge higher rates for people who live in these areas because there is a higher risk of there being a large claim. Although it is true that you can expect to pay more than someone who lives in an area that is not prone to hurricane damage, you shouldn't just resign yourself to paying too much. Instead, consider these ways to keep homeowners insurance costs reasonable.
Make Hurricane-Friendly Improvements to Your Home
First of all, you should know that making hurricane-friendly improvements to your home can help you reduce your insurance costs. This is because your insurance company knows that there is less of a chance of a claim if you make these improvements. Plus, you can help keep your family safe and can help prevent the heartbreaking ordeal of having to deal with major repair issues after a big storm. These are some of the improvements that you should consider making:
- Have your roof repaired by a roofing professional who is accustomed to working on roofs that are exposed to these conditions. Having your roof replaced is another good option, if you can afford it.
- Replacing existing windows with hurricane-rated windows.
- Installing hurricane-safe shutters.
- Replacing existing doors with hurricane-rated doors.
- Installing a hurricane bar on your garage door.
These are just a few improvements that you can make. Once you have made these improvements, contact your insurance company to let your agent know about the improvements. An adjuster might be sent out to your home to inspect the repairs, replacements or improvements that have been made.
As with any type of insurance, one of the best ways to reduce your insurance costs is to avoid making claims when you don't have to. This doesn't mean that you shouldn't use your insurance when you need it; instead, it simply means that you should take steps to prevent damage in the first place. Along with making necessary improvements, take the time to tie things down, trim your trees and otherwise take steps against hurricane damage before a storm arrives.
As you can see, it is possible to reduce homeowners insurance costs when you live in an area that is prone to hurricanes. Plus, along with reducing your out-of-pocket costs, you can also help protect your home and your family by taking these steps. Contact a company like Advantage Insurance Agency for more information.