Aug 3

homeowners insurance - expect the unexpectedHow likely is it that your home will be struck by a meteor? Not likely at all – but it is possible. The good news is that your home owners policy should cover it. Specifically, you would be covered under the “falling objects” clause. In the event that this did happen to you, the first thing you’d do would be the first thing you’d always do if you have a home owners insurance coverage: call your insurer and let them know what’s happened. They can give you specific information on what they require for their review of your situation.

Next you want to make a list of all items that were damaged or destroyed by the meteor. This list needs to be as comprehensive as possible because you will only covered for what you can name. This is why it’s a good idea to have a home inventory, which lists the contents of your home with serial numbers, values, etc. Next you’ll take photos of the damage that’s done to your home, and then you’ll use plastic or boards to cover any damage that allows the elements in. When it’s time to have them repaired, get estimates from at least two different companies to ensure you’re getting a fair deal.

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