Do You Have Enough Insurance Coverage?

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insurance coverage As the last bits of wrapping paper and bows are cleaned up, it’s time to find a place in your house for any new holiday gifts you’ve received this year. The last thing on your mind is imagining what would happen if any of these gifts were affected by fire or water damage. With that in mind, it’s actually a great time to prepare for the unknown and consider adjusting your insurance coverage accordingly.

When you think about how many things of value are in your home, the amount of damage caused by a fire or water incident could be devastating. Smoke and water damage can be deceiving by making it seem like there’s only minimal damage. Although the restoration team at Rocky Mountain Restoration can handle tough cases, there are times when the damage is beyond the scope of repair. You can save yourself a little heartache in this situation by having the peace of mind that your items are insured.

Where do you begin?

The best place to start is by talking to your current insurance agent who oversees any policies you have. From there, find out what’s currently covered and evaluate if you need to adjust your coverage amount. It really comes down to what the value of replacing the items would be.

What’s your current living situation?

If you own a home, you might check out what your homeowners’ policy covers. If you’re renting or in another living situation, evaluating a separate plan specifically for any valuables could be the way to go.

The bottom line is that you don’t want to find yourself in a fire or water damage situation without protection. The team at Rocky Mountain Restoration is trained to provide restoration services for salvageable items, so if you do find yourself in a fire or water damage situation, let us help you assess any affected valuables.

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