When thinking about home insurance, it is a wise strategy to talk over the specifics with your agent at Wellspring Insurance Network Inc. serving Frederick, MD and the surrounding area. There are new risks that may be surprising. Many things are happening now due to the severe weather caused by climate change. Here are two things to consider.
Tornadoes in Maryland
When most people think about tornadoes, they usually think about Kansas, Oklahoma, or Texas. Few would consider Maryland as being a place that has tornadoes. Nevertheless, The Baltimore Sun reported that by the end of May 2019, there had already been five tornadoes in Maryland during the first half of the year.
Tornadoes touched down in Frederick and Howard counties. Tornadoes also hit the areas around Clarksville, Federalsburg, and Monkton. 2019 is the most intense year for tornadoes when compared to the last five years and may beat the record number of tornadoes to hit within one year. That happened in 2011 when 18 tornadoes hit Maryland.
May is usually the month when the tornadoes are the most prevalent; however, they can happen at any time of the year. In November 2018, two workers died when a tornado hit an Amazon warehouse located in East Baltimore.
Hail in Maryland
The same kind of severe weather patterns, which make tornadoes, can make hail the size of golf balls or larger. The Baltimore Sun reported that hail the size of golf balls fell during August 2091. More recent reports say hail the size of tennis balls fell during early November 2019.
These ice balls are as powerful as cannonballs shot at your house. They break windows easily. They smash through roofs and can even fly through lightweight walls, such as garage walls.
Hail smashing into your home or a tornado ripping the roof off is not ordinary things that people think about when getting adequate home insurance coverage. If you already have home insurance, do you know if damage from these severe weather events is covered by your home insurance policy?
It is best not to assume these things are covered. Get a home insurance review and a quote from your agent at Wellspring Insurance Network Inc. in Frederick, MD. Also, discuss the benefits of having replacement cost coverage.