Home Insurance Tips: Does your Home Insurance cover you against extreme weather conditions?

05 December 2013 - Which Way To Pay

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Home insurance explained: How extreme weather can affect your home

In New Zealand we seem to constantly be battling the effects of weather conditions that can affect our homes and out buildings. If your home has been damaged by heavy rain or extreme weather conditions then you should contact your home insurance provider immediately. Always take photos of the damage before you remove any debris to ensure you have evidence of the damage to show your provider.

Do you know what your insurance policy covers in the event of extreme weather?

All insurance policies are different, you will need to contact your insurance provider so they can review your policy and inform you of your coverage. They might send a representative out to assess the damages, however, if you need emergency repairs then you should arrange for a qualified tradesman to come and repair the damage. Always ensure that you keep any receipts and invoices that you do not become unstuck when you need to be reimbursed from your insurance company.

Know the small print with your home insurance and protect yourself in the future

As with all insurance policies, when you are hunting around for your home insurance you should ensure you do your research carefully. It can be a hard and time consuming task; however, it is worth it in the long run. Watch out for excess voluntary payments and any exclusions which might apply. Your insurance policies do not need to be expensive if you compare the insurance policies like for like. Watch out the cheapest policy might not necessarily be the most suitable for you.

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