By Nicole Hernandez
INDIANAPOLIS — As weather warms up for the spring season, Hoosiers may want to double-check their insurance policies.
Changing weather patterns in the spring and summer are more likely to cause severe weather, which can produce damage to your home.
“We’re getting into the height of our severe weather season. April, May and June are the most active months out of the year,” WTHR meteorologist Sean Ash said. “We can have severe weather any time of the year and last year proved that.”
In 2015, Indiana had a little over $4 million in damage due to natural disasters, according to U.S. Natural Hazard Statistics.
In a survey from the National Association of Insurance Commissioners, fewer than 22 percent of homeowners said they view changing weather patterns or natural disasters as an important factor when updating their homeowners’ insurance policy.
“The department urges Hoosiers to review their insurance policies, including rental insurance, to make sure they understand their coverage before a disaster hits,” Stephen Robertson, commissioner of the Indiana Department of Insurance, said in a statement.
The department recommends Hoosiers:
- Check insurance policies at least once a year
- Complete a home inventory to accurately determine which insurance coverage would be best for your home
- Keep a list of emergency contacts, including your insurance company
- Have a plan. Discuss and practice an evacuation plan with your family
- Keep an emergency kit with items like water bottles, flashlights, battery powered radios, non-perishable food and personal hygiene supplies
At a minimum, Ash expects an active storm pattern this year.
“If you don’t do preparation before the event,” Ash said, “you can’t do it after.”
For more information about disaster preparedness, visit InsureUOnline.org.
Nicole Hernandez is a reporter for TheStatehouseFile.com, a news website powered by Franklin College journalism students.