What a Record Setting Hurricane Season Teaches Us About Umbrella Insurance

Living in Marietta, GA, you don’t typically find yourself worrying about disastrous weather. In a crazy turn of events, Atlanta sustained more damage from Hurricane Irma than many parts of Florida. While the bulk of the south is reeling to get everything back in order, LG Insurance Group wants to make sure you know all of the ways to protect yourself in the future. One way that is often overlooked is umbrella insurance. Here are lessons we can learn from Harvey and Irma to make better insurance decisions.

Property Is Hazardous

Typically, umbrella insurance is recommended if you have abnormal hazards on your property. Swimming pools and large trampolines are the most common cases. In a major hurricane, roughly anything on your property can become significantly hazardous. Now, there are laws in place to protect you from the majority of ways people can be hurt on or by your property in catastrophic weather. That said, there are issues that slip through the gap. Most notably, if it can be determined that you didn’t properly secure something that causes an injury, you could be liable. This is the whole point of umbrella insurance. Remember, though, that not all policies are created equally. Double check specific coverage and limits before you sign for anything.

Exotic Liability Happens

In addition to the fact that a hurricane on the scale of Harvey or Irma can turn your home into a weapon, the chaos from major hurricanes creates countless unique cases. Standard insurance policies are designed to cover standard events, so exotic cases almost always exist outside of policy arrangements. It is for these types of cases that umbrella insurance exists.

Attempts to Help Can Go Wrong

Even if you live outside typical disaster zones, you can still find yourself on the wrong side of a lawsuit. As sad as it is, relief efforts don’t always go to plan, and in some cases they can cause more harm than good. Good Samaritan laws exist to protect genuine efforts to help from retaliation, but they can fall short. If you are organizing major relief help, you should consider special liability insurance to make sure an honest mistake doesn’t turn into financial ruin.

You can do more than just protect your Marietta, GA, home from atypical liability claims. Talk with a representative at LG Insurance Group and we’ll make sure you have holistic coverage for every concern.