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Homeowner Insurance Coverages During Tornado Season

Unfortunately, tornado season has been a rough one this year. We have witnessed much devastation and couldn’t help but think, “I hope they had good homeowner insurance coverages”. This thought is not from a selfish standpoint, but rather a professional who knows the risks and can help people avoid total loss in the event of a covered peril.

The following video will explain how MJM Insurance of Swansea can help you.  Don’t wait until insurance companies put a freeze on writing policies! Call Today (618) 277-2000

 

Illinois Home Insurance | Protection Before Tornado Season

What’s in Your Policy? Do You Have The Right Coverages?

MJM Insurance of Swansea | Illinois Home Insurance | (618) 277-2000 First, let’s start with the safety factors for tornado season. We’re going to cover Illinois Home Insurance | Protection Before Tornado Season.  While no home can ever be made “tornado-proof,” homeowners prepare for tornadoes ahead of time can improve the odds of their home surviving high winds by taking these precautions.

According to wikipedia, a tornado watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes.  In most cases, the potential exists for large hail and/or damaging winds in addition to tornadoes.

A watch does not mean that the severe weather is actually occurring, only that atmospheric conditions have created a significant risk for it. If severe weather actually does occur, a tornado warning or severe thunderstorm warning would then be issued. Note that a watch is not required for a warning to be issued; tornado warnings are occasionally issued when a severe thunderstorm watch is active, or when no watches are in effect), if a severe thunderstorm develops and has a confirmed tornado or strong rotation.

Take these additional steps to protect yourself and your family:

  • Decide where your safe place is going to be.  An interior room, basement or local shelter.  When a tornado approaches, go there immediately. If you have no time to get to shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds.
  • Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
  • Establish a contact point to communicate with concerned relatives. Keep in mind, when a tragedy hits a large geographical area, everyone is calling someone, or emergency departments from their cell phone.
  • Keep an emergency kit readily available.  Include a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable weather radio; a wrench and other basic tools; a flashlight (there are flashlights with a wind up power source versus the need for batteries.  Consider extras like work gloves; portable lanterns; clothing; blankets; baby items.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

A tornado can seriously impact many areas of your life – your home, your apartment, your car, your business!  WE CARE!

 

MJM Insurance of Swansea | Illinois Home Insurance | (618) 277-2000 There are many ways to purchase Illinois Home Insurance.  For homeowners to make sure they have the right protection in place, it is highly recommended to meet with a licensed insurance professional to review your policy.  There are many choices in coverages, endorsements, discounts, and more.  It can be a bit overwhelming, and our agents at MJM Insurance of Swansea can help.

Home Insurance policies in Illinois can be  very different and the price of insurance varies based off the risk of the home, location, etc.  If you can think of anything, realize that you’re not buying a commodity;  you’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  After you read this post, check out our page for additional Illinois Home Insurance at Illinois Home Insurance Information.

Our motto is “Expect More. Receive More.”  MJM Insurance of Swansea is a full service independent insurance agency representing many of Illinois’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Illinois insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact MJM Insurance of Swansea.

Here are a few link for you to become prepared, protect your family – including your pets!  

MJM Insurance of Swansea | Illinois Home Insurance | (618) 277-2000 Here in the USA, tornadoes have occurred in every month, so any time is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while out and about. And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.

Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.”  If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Call Us – We’re Here To Help!

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

 Illinois Home Insurance | Protection Before Tornado Season

Where to Learn More About Home Insurance in Arnold MO

Understanding Your Home Insurance Options

Where to Learn more about Home insurance in Arnold MO | MJM Insurance® of Swansea | (618) 277-2000

MJM Insurance® of Swansea knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss.  Our agents are here to help home owners know where to learn more about home insurance in Arnold MO.

There are many coverage options you can have in your policy.  On your declaration page you will see several terms; including  dwelling coverage and personal property coverage.  The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage.  One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection, discuss your options with us. We’re here to help!

Detailed information about home owner insurance and how to contact us can be found on our website page: Where to Learn More About Home Insurance in Arnold MO.

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Swansea Illinois Business Insurance

Do You Need a BOP or CPP for your Swansea Illinois Business Insurance?

 

 

Swansea Illinois Business Insurance | MJM Insurance® of Swansea | (618) 277-2000There are two types of Swansea Illinois Business Insurance policies available in Illinois.   The Business Owners Policy or BOP and the Commercial Package Policy or CPP.  These two types of policies are explained below.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business.   Please call one of our commercial insurance agents at MJM Insurance® of Swansea for any assistance.

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Swansea Illinois Insurance Agency

The #1 Swansea Missouir Insurance Agency That Works For YOU!

Swansea Illinois Insurance Agency | MJM Insurance® of Swansea | (618) 277-2000If you are looking for a Swansea Illinois Insurance Agency, consider speaking with our professional agents with MJM Insurance® of Swansea insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit our independent insurance agency – MJM Insurance® of Swansea.

It is important to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Illinois Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of Swansea insurance agency upholds to these standards.

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