The Importance of Keeping Your Homeowners Insurance Current in Albany,

by | May 22, 2013 | Insurance

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Hurricane Sandy was a potent reminder for Albany, New York that hurricanes can strike. Even though they are relatively rare, this damaging reminder was quite the shock to many people. As the struggle to get back to some semblance of normal began, the damage left behind was a reminder of how important homeowner’s insurance actually is after the storm is long gone.

Homeowners Insurance Albany NY is usually one of those things that people pay for and forget it. Most people don’t even know what is contained in their insurance papers. Many just don’t want to take the time to read it. But Hurricane Sandy should be a lesson for homeowners to be aware of what their policy contains before any type of storm hits.

One thing that usually catches people by surprise is the amount of the deductible in their insurance policy. As a result, they fail to adequately stash away funds to cover it. This usually results in a delay of getting back to normal as they struggle to find the funds to cover the deductible. But by actually taking the time to read and think about the policy, the homeowner has the time to gather these funds before a storm hits.

Another thing that usually surprises people with their insurance plan is what is covered under it. If they fail to upgrade their insurance to include new things such as garages or shed additions, they will have to cover the entire costs of replacement. A thorough evaluation of Homeowners Insurance Albany NY on a regular basis or when new things are added is critical to making sure that the coverage is there when it is really needed.

While Hurricane Sandy caught many people off-guard, a neglected homeowner’s insurance policy also caught many people by surprise. Either they didn’t have the funds for the deductible or they didn’t get something covered that they should have. By the time the storm was over, it was way too late to change things. A regular evaluation of your homeowner’s insurance is very important in the process of getting things back to normal after a storm hits.

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