STORM DAMAGE IS NOT YOUR FAULT
Weather- related damage is caused by events outside of your control – wind, hail, heavy rain, fallen debris, and severe storms. Homeowners cannot control the weather, and storm-related claims are different from preventable maintenance issues. In Maryland, weather – related claims have specific rules around cancellation and nonrenewal, including protections unless there are three or more weather – related claims within the preceding three years.
Insurance rates are commonly based on risk factors like your location, home value, coverage, and storm exposure in your area. That means homeowners in storm – prone zip codes may see higher premiums even if they did personally did nothing wrong. The Maryland Insurance Administration rate guide even organizes homeowner rate comparisons by region and zip code.
YOUR ZIP CODE
Insurance companies look at local risk, storm history, claim frequency, and regional exposure.
YOUR HOME’S DETAILS
Roof are, materials, home value, condition, and coverage level can affect pricing.
AREA-WIDE RISK
When storms hit a region, rates may adjust across ZIP Codes – not just because one homeowners filed claim.
THE TIME TO REPAIR THE ROOF IS WHEN THE SUN IS SHINING
PLEASE TAKE A MOMENT TO TELL US ABOUT WHAT PROBLEMS YOU ARE CURRENTLY HAVING.
