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3 Ways To Guarantee Your Commercial Storm Insurance Will Work For You

8/14/2019 (Permalink)

A standard plan will usually cover hail damage, windstorms and tornadoes

When thinking about your business needs in Lee's Summit, MO, insurance coverage should be at the top of your priority list. Bad weather can shake your institution to its core, but there is no need to fret when you are confident that your storm insurance has you covered. Here are a few tips to keep in mind when selecting your plan:

Check Your Coverage

Generally, your commercial insurance plan will cover most types of storms. For instance, the standard plan will usually cover hail damage, windstorms and tornadoes. However, it is important to triple check your coverage and understand exactly what you are protected against before disaster strikes.


Shop Around


If you’re able to see gaps in your storm insurance after reviewing your policy, it might be a good idea to shop around – either to replace your current plan completely or to supplement your coverage. It is best practice to ensure that the storms that frequent your area are covered and be on the lookout if earthquakes or flood damage are common in your area as they most times aren’t included. In this case it would be recommended to speak with an insurance agent that can suggest additional insurance plans.


Prepare for Damages


Secondary damages can be caused by flooding brought about by a storm, which in turn could lead to the growth of mildew and mold. These may not be included in your insurance coverage, especially if they are deemed avoidable. It would be best to undergo a mitigation and remediation process as soon as flooding occurs to avoid the excess harm that is caused when secondary damages are left unattended as these are unlikely to be covered by most plans.

Commercial storm insurance can offer you peace of mind and protection. While the weather is out of your control, having the best insurance coverage tailor fit for your business needs will make the recovery process much easier to handle after a storm.

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