Residents know that the state of Oregon has specific hazards tied to the weather and other local features. This is why a discussion about these potential problems with an insurance agent at Linda Dugan Insurance is crucial. Keep reading to find out more about what kinds of issues may threaten your home.
Because Astoria is an oceanfront community, hazards related to flooding and water damage are always a source of concern, especially with both the Pacific Ocean and Columbia River nearby. Keep in mind that Astoria is essentially surrounded by water.
If your home is in a flood zone, specific flood insurance coverage may be necessary. Generally, the closer a home is to the water, the higher the potential for damages over time, which is factored into insurance premiums. The Pacific Northwest is also known for heavy rainfalls that can become damaging if they are severe enough and cause water levels to rise.
Not all damages are related to water, as high winds and snowfall are also common in Oregon. Winds can come directly off of the coastline and force debris to become projectiles. Much like during a hurricane or typhoon, this is a source of significant danger to the home. Snow and ice accumulations during the winter months can also cause slipping and sliding or structures to cave in during severe storms. It is important to be prepared each winter for serious blizzards and other weather events.
For those who live in Astoria, OR and surrounding areas, please contact Linda Dugan Insurance for further information. A policy that takes your particular concerns into consideration can be created and offered to you.