Month: May 2025

Will RV Insurance Cover Storm Damage?

Posted on by AgentInsure

If you own an RV, it’s essential to have RV insurance. The professionals at Linda Dugan Insurance, serving Astoria, OR, can help you secure RV insurance for your recreational vehicle. We collaborate with numerous carriers to help our customers find the right RV insurance for their needs.

One of the questions we often hear from our customers is: what does RV insurance cover? Specifically, does it cover storm damage?

These are excellent questions! We’re here to help. Here’s what you need to know about RV insurance and its coverage for storm damage.

What Does RV Insurance Cover? Does It Include Storm Damage?

Many RV insurance policies include a comprehensive section that provides protection from storm damage, such as wind and hail. This comprehensive coverage often includes damage to recreational vehicles caused by falling trees.

If you’re concerned about storm damage and you own an RV, check with your insurance agent to ensure that your RV insurance policy includes comprehensive coverage.

How Can I Get RV Insurance?

Finding RV insurance is straightforward when you work with the professionals at Linda Dugan Insurance, serving Astoria, OR. We can help you shop around for an RV insurance policy that meets your needs.

If My RV Is Damaged In a Storm, What Can I Do?

If your RV is damaged in a storm, the first step is to file a claim. Your insurance agent at Linda Dugan Insurance, serving Astoria, OR, can assist you. Contact your insurance agent as soon as the damage occurs to learn more about filing a claim.

Our knowledgeable and helpful professionals will guide you through the process, so you can initiate a claim and repair or replace your RV when covered events occur.

Does Flood Insurance Cover Storm Damage?

Posted on by AgentInsure

Astoria, OR, can experience severe storms with high winds and torrential rains coming in from the Pacific Ocean. These storms can result in localized flooding that can negatively affect your home. Flood insurance can protect your home from these adverse events. The experts at Linda Dugan Insurance can explain how this protection works.

Flood Insurance: Not Just for Flood Zones

It’s a common misconception that flood insurance only protects those living in a designated flood zone. In reality, flood insurance helps pay for damages to anyone who purchases it and experiences a flood in their home. Interestingly, most flood damage claims come from homeowners who don’t live in floodplains. This is partly because the current floodplain map used by the United States is outdated and needs revision due to climate change. Additionally, severe storms can stall and dump torrential downpours in isolated areas, resulting in flooding when rainwater has nowhere to go.

The Importance of How Water Enters Your Home

The way water enters your home determines which insurance policy covers the damages. Your homeowner’s insurance covers water damage if a tornado or severe thunderstorm breaks windows and rainwater enters through that breach. The same applies if part or all of your roof is ripped off. However, flood insurance will cover the damages if rainwater accumulates outside your home and rises enough to enter it. Your home insurance may cover floods in the basement or the lower levels of your home due to a failed sump pump following storms if you have an add-on provision covering such risks.

Let Linda Dugan Insurance, serving residents in Astoria, OR, detail how you can fully protect your home from floodwaters. Contact our office today to get started.