Connecticut Homeowner's Insurance - Are You Protected?

One of our Connecticut homeowner’s insurance policy holders found that their Connecticut homeowner’s insurance made the difference when their roof was torn from their home during Super storm Sandy. Covering the full cost to replace the damaged portion of the roof as well as the interior damage caused by the compromised area of the roof, the homeowner’s were able to get back to normal in a short period of time with no unwelcome surprises.

With peak hurricane season still looming until the end of October, all homeowners should have a thorough understanding of what their Connecticut homeowner’s insurance policy covers. However, many still seem to lack this understanding. It’s concerning when we conduct insurance reviews for homeowners seeking other options for their Connecticut homeowner’s insurance and find that many are unaware of things about their current coverage that could have caught them off-guard in the event of a claim such as…

• Homeowner’s insurance doesn’t cover flooding.
• Policy has non-standard deductibles such as, hurricane or wind storm deductibles. These can be much more costly than the standard homeowner’s deductible.
• Home not insured at current construction costs.
• Unaware of whether the policy is a Cash Value Policy or a Replacement Cost Policy and unaware of the meanings.

These are the most common things we find uncertainty about. However, these uncertainties are not limited to what has been mentioned. 

Work With the Right Insurance Professional

If you’re a homeowner and feel uncertain about the coverage in your Connecticut homeowner’s insurance policy, the following are a few main things you should be discussing with your insurance provider.

• Do I have enough insurance to rebuild my home in the event of a disaster like a hurricane or severe storm?
• Do I have enough insurance to replace my possessions if they are lost?
• Do I have enough coverage for additional living expenses if my home becomes uninhabitable?
• Do I have any non-standard deductibles and what do they mean for me?

Of course every company, policy, and home is different. Therefore, these questions should be answered thoroughly by an insurance professional based on your circumstances. If you ask these questions and you get brief, vague answers from your insurance provider, we highly recommend getting a second opinion. The right insurance professional, one that has your best interest in mind, should be happy to spend time with you making recommendations based on your circumstances. They should explain your policy to you in detail and inform you of how the provisions of your Connecticut homeowner’s insurance policy will work in the event of a disaster like a hurricane or severe storm.

Peace of Mind

Enduring damage from a disaster like a hurricane or severe storm could be a stressful and emotional process. However, some peace of mind can come from knowing that your Connecticut homeowner’s insurance policy will step up to the plate when you need it most. Don’t wait until it’s too late; seek a consultation today about your Connecticut homeowner’s insurance and make sure you’re are protected.

For questions relating to this blog, please contact V.F. McNeil Insurance at (203) 481-2684 to speak with one of our friendly insurance professionals.  We are always happy to help.