The Omaha metro area has been hit by numerous devasting storms this season and many homeowners are still dealing with the aftermath.
The tornado that hit the Elkhorn area in late April left devastation in its path. Many homes were completely destroyed, leaving residents homeless and needing to rebuild their homes.
While most homeowners’ insurance policies will cover the cost of rebuilding damaged or destroyed homes, many people are discovering significant costs that are not covered. Debris must be removed before rebuilding can begin, and this cost is often not a covered expense for policies. Depending on the scope of the damage, this can be extremely costly.
Several recent rainstorms have caused significant property damage due to flooding. Damage can include flooded basements, damaged foundations, and collapsed garages and structures. Many insurance policies only cover certain water claims – be sure you know what is covered.
The lesson for homeowners – understand your insurance policy so you aren’t caught off guard by damage and destruction that is not covered.
When temperatures fall below freezing, and stay as long as they have now, there is a real threat of pipes bursting, even in insulated, heated structures. Outdoor hoses, swimming pool plumbing, or sprinkler systems are at high risk, but pipes in unheated areas of your home such as basements, crawl spaces, attics, garages, and kitchen or bathroom cabinets are also susceptible to freezing. Pipes that run along exterior walls with little or no insulation are at the highest risk.