Rebuilding After a Natural Disaster: Ensuring You Have the Right Coverage

Natural disasters like hurricanes, tornadoes, and flooding can strike with little warning, leaving families to pick up the pieces and navigate a complex recovery process. While having the right insurance coverage can’t stop the damage, it can provide much-needed financial support to help you rebuild and recover. At Prepared Insurance Agency, we’re committed to helping our community in Wilmington, NC, and beyond understand and obtain the right coverage for their needs.

Understanding the Limitations of Standard Home Insurance

Standard homeowners insurance typically covers wind damage but may not extend to other common hazards like flooding. Unfortunately, many homeowners don’t realize these limitations until it’s too late. Flooding, one of the most common and costly natural disasters, requires separate flood insurance, which is often excluded from basic policies.

How Prepared Insurance Can Help:

We offer a comprehensive review of your current policy to ensure you have the right protection. Our agents will help you understand the difference between homeowners, flood, and windstorm insurance and ensure you’re covered for all possible risks. For example, adding flood insurance can provide peace of mind against heavy rain, storm surges, or overflowing rivers—common occurrences during hurricane season​.

Assessing Your Risk and Updating Your Policy

Risk levels can vary based on your home’s location, condition, and proximity to water bodies. That’s why it’s essential to regularly review and update your coverage, especially after major life changes or improvements to your property.

Coverage Check with Prepared Insurance:

We recommend scheduling an annual review with one of our Agents. During this process, we’ll assess your property’s risk for hurricanes, tornadoes, and flooding, making recommendations to adjust your policy limits or add endorsements as needed. For properties in high-risk flood zones, we’ll work with you to navigate the complexities of the National Flood Insurance Program (NFIP) or help you find a private flood insurance policy if needed.

Protecting Your Vehicle and Other Assets

In addition to your home, vehicles and other personal assets can be affected by severe weather. Comprehensive auto insurance can cover damage from fallen trees, flooding, and other hazards that typically occur during hurricanes or tornadoes.

Prepared Insurance’s Approach:

Our team will evaluate your auto insurance to protect you against storm-related damages. We can also bundle home and auto policies to provide additional savings and streamlined service when you need to file a claim​.

Planning Ahead for Financial Security

Beyond having the right coverage, preparedness is key. Setting up an emergency savings fund, keeping important documents safe, and knowing your policy details can all help reduce stress in the aftermath of a disaster.

Our Promise:

At Prepared Insurance Agency, we go beyond just offering insurance products. We’re your partner in preparing for the unexpected, guiding you through the steps to protect your home, family, and assets. Whether it’s evaluating coverage, assisting with claims, or providing resources to help you rebuild, we’re here to support you every step of the way.

If you’re unsure whether you have the right coverage for hurricanes, tornadoes, or flooding, contact us today for a complimentary policy review. Let us help you stay prepared—no matter what nature brings your way.

Client Testimonials

"Checked online for affordable homeowners insurance. The contact time was very fast and the rate is very reasonable. The agent could not have been more helpful. The whole experience could not have been better."

-TrustedChoice Customer Review

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