Many people think storm season ends in early summer. But August and September often bring strong storms. These storms can cause serious damage to your home and car.

Recent Storms Show the Risk

Last year, an August hailstorm in Missouri caused over $100 million in damage. This shows why you need to check your insurance now. Being prepared can save you money and stress.

Review Your Homeowners Insurance

Make sure your policy covers wind, hail, and storm damage. Check if your coverage limits match your home’s current value. Update your policy if you’ve made improvements or renovations.

Flood Insurance Is Different

Most homeowners insurance does not cover floods. If you live near water or in a flood-prone area, get separate flood insurance. This coverage protects you from costly flood damage.

Protect Your Vehicle Too

Comprehensive auto insurance covers storm damage like hail dents, broken windows, and flooding. Without it, you pay for repairs yourself. Check your policy and add coverage if needed.

Know Your Deductibles

Storm-related claims sometimes have higher deductibles. Know how much you’ll pay out of pocket before filing a claim. This helps avoid surprises after a storm.

Prepare Your Property

Take steps to reduce damage. Trim trees near your home. Clean gutters to prevent water buildup. Secure outdoor furniture and loose items. Also, keep a photo or video inventory of your belongings. This speeds up claims if you need to file one.

If you’re not sure about your coverage or want help reviewing your policies, call us at 816-847-1911. We’ll help you prepare for the rest of storm season with confidence.