How Homeowners Insurance Handles Natural Disasters
- Covered Perils: Policies typically cover specific natural disasters like fires, storms, and certain types of flooding, but may exclude others (e.g., earthquakes or floods).
- Earthquake and Flood Insurance: These are often separate policies because standard homeowners insurance doesn’t cover these risks.
- How to File a Claim: Steps for homeowners in the event of a natural disaster, including documenting damage, contacting the insurer, and understanding deductible requirements.
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