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III says it's the season to 'spring' into action and review one's insurance policy

Posted On Fri, April 8, 2011

April showers may bring May flowers, but both months are notorious for wild weather that can cause serious damage to a person's home.

With this in mind, the Insurance Information Institute says that these are the months to review one's home and auto insurance policy to make sure one is equipped with the proper coverage.

While certain environmental disasters are more prevalent in some parts of the country - one rarely hears about a hurricane affecting California or an earthquake hitting Louisiana - III reminds homeowners that natural catastrophes can occur anywhere, anytime.

For instance, III points out that Florida may not be known as being a hotbed for tornado activity, but in 2010 alone, 22 tornadoes touched down in the Sunshine State.

The Institute says that wind damage resulting from tornadoes is traditionally covered under most home insurance policies, but the same can't be said for auto insurance. Protection from tornado damage must be purchased separately by opting for comprehensive coverage.

For home insurance, companies usually require policyholders to purchase flood and earthquake coverage separately, even in quake-prone states like California. 

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