Knowing Your Insurance Can Help You in a Crisis

You would not think about moving into your dream home or office without purchasing insurance first. It’s important to protect your most valuable assets against the costly aftermath of disasters such as fires and storms. When facing any crisis with your home or business, the first thing that comes to mind: “Does my insurance cover this?”


If a tree falls on your roof, your sewer backs up in the basement or a pipe bursts and floods your kitchen, knowing what is and is not covered by your insurance policy can alleviate a great deal of stress, as well as help you decide your next steps as you stare at the mess. Although no one foresees these issues happening, the more we can prepare our clients for those "worst-case scenarios," the better equipped you will be to move quickly towards restoration and repair.


Here are some insights to home and commercial property insurance coverage that can help you in a crisis:


  1. Most homeowners and commercial property insurance covers certain basics, but policies vary a great deal. Read the fine print before you purchase one.
  1. Damage or destruction due to vandalism, fire and certain natural disasters are all usually covered in your basic plans. If someone is injured on your property, your liability may also be covered by that basic policy. Realize you may need to buy additional liability coverage.
  1. If you, like many home and business owners, mistakenly believe that your insurance policy covers your property for flood-related damage, you are not alone. Most people are surprised to learn that floods are excluded from coverage on almost every standard homeowners and commercial property policies. 
  1. In addition to buying a basic insurance policy, purchasing a personal property, dwelling and additional flood coverage increase your chances of a home or business crisis being covered by your insurance.
  1. Sump pump/backup of sewer and drain coverage must be added to a homeowner’s policy by adding the endorsement. It is not included in home policies.


At Brookstone Restoration, our years of experience in the restoration and construction fields have cultivated strong relationships with both national and independent insurance agents across Alabama. Together we discern the best approach for each client and their home or business. Your assigned Project Manager and inside Team Coordinator are happy to walk you through any questions you may have as we work with your agent and adjuster. It is your responsibility to mitigate further damage and Brookstone Restoration stands ready to help.