Natural disasters can strike a devastating blow to even the most affluent homeowner. Assessing and insuring the probability of natural risks to your home ensures that you will always be covered, no matter the cost.

•    Earthquake

Earthquake coverage is excluded under the typical homeowner’s policy, but may be purchased at additional cost for most locations.
•    Flood
The risk of flooding is excluded under the basic homeowner’s policy, but optional coverage is available.  Coverage up to $100,000 of contents, and $250,000 for the dwelling is available for private residences through the subsidized insurance coverage offered by the National Flood Insurance Plan and insurance carriers that service that program.  Higher limits of coverage are available in many locations when the Federal flood program limits are not adequate.
•    Wind
For certain locations, the exposure to damage caused by wind has been excluded from the homeowner’s policy.  Otherwise, wind is a covered peril under the homeowner’s policy for most locations.  We routinely work with clients to provide wind coverage in areas subject to a greater likelihood of wind-related damage, and work with state agencies that provide wind coverage.