In Portland, ME, homeowners experience more than their fair share of severe weather events. From blizzards to nor’easters, the insurance policy that protects every home needs to address the damage from extreme weather fully. At Noyes Hall & Allen Insurance, we work diligently with people in the Portland, ME, area to ensure they have a secure policy in place at all times.

What is Severe Weather Insurance?

New and existing home buyers need to keep in mind that policies may not cover certain extreme weather events. For example, property owners in Florida reportedly had difficulty securing hurricane insurance after a long line of storms ravaged the state. While Maine remains at low risk for hurricanes, these naturally occurring incidents sometimes require additional riders.

Flood Insurance

The fact that a high-volume rainstorm causes a basement or home to flood doesn’t mean a standard homeowners’ insurance policy will cover the damage. Flooding claims from storms or even a broken water pipe may only be approved if you have a flood insurance rider.

Earthquake Insurance

It may not seem cost-effective to add an earthquake rider in Portland, ME. Although the state hasn’t experienced a quake of 5.0 or higher since 2010, there has been a steady stream in the 2-3 range.

Windstorm Insurance

It’s rare for a hurricane to travel from the tropics to Maine. But when it happens, property owners may find out why seemingly inexpensive riders are worth every penny. Hurricanes and tornadoes aside, plenty of high wind events topple trees on homes and tear off shingles.

Update Your Severe Weather Insurance in Maine

At Noyes Hall & Allen Insurance, we encourage home and business owners to schedule a consultation to review existing policies annually. An expert can review your current coverage and recommend adjustments to ensure you’re protected when the next storm hits. If you’d like to speak with an expert, contact us today.