The Critical Insurance Questions to Ask NOW
When disaster strikes, the last thing you want to worry about is whether your insurance coverage is enough. As hurricane, tornado, and wildfire seasons become more unpredictable and severe, it’s more important than ever to proactively review your insurance policies. property, and family.
Why Seasonal Insurance Planning Matters
Natural disasters can cause catastrophic financial loss, especially if you’re underinsured or unaware of policy gaps. Each season brings unique risks:
Hurricanes can cause flooding, wind damage, and power outages.
Tornadoes destroy homes and vehicles in seconds.
Wildfires spread rapidly and often without warning, devastating entire communities.
Whether you live in a high-risk zone or not, preparedness starts with understanding your insurance coverage.
The Critical Insurance Questions to Ask Today
1. Do I have enough coverage to rebuild my home?
Check your dwelling coverage limit. It should reflect today’s construction costs, not what your home was worth years ago. Ask your insurer for a replacement cost estimate.
2. Is flood damage covered?
Most homeowners’ policies do not cover flood damage. If you’re in a hurricane-prone area, you’ll likely need a separate flood insurance policy through FEMA or a private provider.
3. What about wind and hail?
Wind and hail may be covered but often carry higher deductibles. In coastal areas, hurricane or windstorm deductibles can be a percentage of your home’s value — not a flat fee. Know what yours is.
4. Do I need additional wildfire protection?
If you live in a wildfire-prone zone, ensure your policy includes:
Extended replacement cost coverage
Additional living expenses if you’re displaced
Debris removal and smoke damage cleanup
5. Are all my valuables protected?
Standard policies may limit coverage on electronics, jewelry, or collectibles. Consider scheduling these items separately for full protection.
6. Do I have enough auto insurance for natural disasters?
If your car is damaged by a storm, only a comprehensive auto insurance policy will cover it — not liability-only.
Proactive Tips to Prepare
Review your policy annually or before storm season starts.
Take inventory of your belongings with photos or video.
Talk to an insurance agent who understands local risks.
Bundle policies when possible for better rates and streamlined coverage.
How Best Choice Insurance Can Help
At Best Choice Insurance, we help families and businesses:
Understand and fill coverage gaps
Compare rates and policies from multiple trusted carriers
Secure flood, fire, wind, and auto protection
Get peace of mind before a storm hits
Our licensed agents are here to provide personalized advice based on where you live and the risks you face.
Don’t wait for a disaster to find out you’re underinsured
By asking the right questions today, you can avoid financial stress tomorrow. With the right insurance plan, you can focus on what matters most — keeping your loved ones safe.