Tag: home insurance

As a homeowner, there are numerous responsibilities to manage, two of which are securing home insurance and flood insurance. Having just one or the other isn’t sufficient and could leave you exposed to significant costs. It’s crucial to have both policies, regardless of where you live in Alabama. If you don’t have a flood policy yet, now is the time to get one. Call us at Magic City Insurance Group LLC in Birmingham, AL to get started.

Home Insurance and Floods

Many people avoid getting flood insurance because they assume that their home insurance would cover any damages from a disaster. However, this isn’t true. Certain things are excluded from a home insurance policy, and one of these is flooding. If a flood damages your home, your home insurance won’t cover any part of the damages. To be covered against such a disaster, you need to have a flood insurance policy in place. These policies are specifically designed for flooding and can cover the necessary repairs after a flood. Even a small amount of flooding can cause significant damage to a home, which can be prohibitively expensive.

Alabama Flood Insurance Options

Flood insurance is backed by the National Flood Insurance Program, a government-backed entity that will make the funds available if needed after a flood. This program also ensures that the cost of flood insurance is set, so you don’t have to shop around to find a better deal.

Get Flood Insurance in Alabama

Call Magic City Insurance Group LLC in Birmingham, AL to get your flood insurance policy.

Many homeowners never file a claim with their insurance company for home damage, often because they’re unaware of the types of damage covered by their policy. Your roof falls into this category. While you’re responsible for maintaining and replacing it as it ages, Magic City Insurance Group LLC in Birmingham, AL, can help answer your questions about coverage for roof damage.

Windstorm

Windstorms can cause significant damage to your roof. You may not notice the damage until you require roofing work or encounter a leak. Strong winds can shred off the shingles and curl them up, exposing your roof to water. You’d need a professional roof repairer to inspect your roof, followed by an insurance adjuster to confirm whether your insurance covers the damage.

Fire

If a fire breaks out in your home, it could spread to and even penetrate your roof. Home insurance generally covers fire damage resulting from a lightning strike during a storm or a wildfire.

Hail

Hail can inflict serious damage, especially to asphalt roofing shingles. These shingles have a rough finish made from mineral granules. Not only does this finishing enhance the appearance of the shingles and hinder algae growth, but it also protects the asphalt. However, hail can harm these granules; when damaged, the tiles are more susceptible to leakage. Inspecting your roof after a severe hailstorm can prevent internal damage.

Contact us at Magic City Insurance Group LLC in Birmingham, AL, if you need information about your home policy or are considering switching carriers.