The increasing incidence of severe storms, including tropical storms and hurricanes, in San Antonio, TX, makes RV owners more aware of how to protect their investments. With the heightened frequency of tropical storms, tornadoes, and other severe weather events in the area, RV owners may worry if their vehicles will sustain damage and need repairs following storms. Getting the proper protection from Integrity Advisors Agency LLC can make a difference between paying out-of-pocket or having an insurance policy to pay for it.
Comprehensive Coverage is Essential
To ensure that you have severe storm coverage, you must have a comprehensive section on your policy. This is the section that covers damage from events like fire, theft, and other incidents, including storms, that don’t involve a collision. Just having comprehensive coverage isn’t enough. You must examine your comprehensive coverage to determine the incidents and type of damage your policy covers. Every policy is different, so you must examine covered weather events. For example, many policies regularly cover damage to awnings or roofs but with a different deductible than for other parts of your recreational vehicle. Not having the right coverage could potentially lead to significant out-of-pocket expenses.
What You Should Have
Consider your policy’s particulars if you are concerned about severe weather damage. Roof damage should cover damaged roof panels, but much more than that. When a storm tears off parts of a roof, leaks can occur, sometimes inundating the entire interior of your recreational vehicle and damaging furniture, electronics, clothing, and more. The source of the damage is also crucial because, depending on the policy, leak damage will have different coverage levels depending on the cause. Damage from hail, trees, and fallen branches on your vehicle constitutes storm damage claims.
Let the professionals at Integrity Advisors Agency LLC, serving San Antonio, TX, advise you on what provisions you should include in your RV policy to protect against storms.
