Protect Your Property From Natural Disasters
Natural disasters can damage your property without warning, and standard policies do not always respond the way you expect. Whether you own a single home or a large portfolio of investment properties, you need coverage that is designed for the specific threats in your state and community.
Ingram Insurance Group helps you plan ahead with natural disaster insurance options that are tailored to properties in Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida. We focus on protecting the value of your real estate and other key assets so you are better prepared when severe weather or other catastrophic events affect your property.
Comprehensive Protection for Real Estate Investors and Property Owners
When you invest in real estate, your buildings are often your largest financial asset. Natural disasters such as windstorms, hail, severe thunderstorms, hurricanes, tornadoes, and related events can cause damage that is expensive to repair and disruptive to your business or household. Ingram Insurance Group focuses on building insurance solutions that address these risks in a way that aligns with your goals.
As an independent agency owned and operated by real estate investors, we understand how property owners think about risk, cash flow, and long-term planning. We help you review where your properties are located, which natural perils are most likely, and how your current policies respond to those events. Our goal is to help you avoid unexpected gaps and limit financial surprises after a loss.
Key advantages of working with us for natural disaster insurance include:
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Guidance tailored to real estate investors, landlords, and homeowners
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Options from multiple insurance carriers rather than a single company
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Attention to coverage limits, exclusions, and deductibles related to natural disasters
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Focus on investment properties, rental units, and portfolios across multiple states
For many clients, natural disaster protection is not a single policy, but a combination of property coverage and additional endorsements that fit together. We help you understand what is typically included in standard property insurance and where you may want to consider additional protection based on your location and risk tolerance.
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Fire
Risk Factor
Wildfires and forest fires are considered natural disasters, but most are caused by the actions of humans. Residential and commercial fires often get separated from this category, but they can be disastrous nonetheless. Regardless of whether a fire is widespread, as in the case of a wildfire, or localized, fires can cause extensive damage to a building in a matter of minutes.
Solution
The costs to clean up and repair damage caused by fire add up very quickly. As a building owner, you must be sure your building is insured properly against fire damage. Your insurance needs can change based on whether your building is residential only, mixed use, or commercial only. If you live in an area prone to wildfires, inquire about additional coverage.
Water Backup
Risk Factor
Backup of a sewer or drain can cause damage to not only the unit it starts in, but other units as well. Water damage caused by a backup would not be considered flood water. The cleanup and repair of drain and sewer backups can become even more costly if the water contains hazardous waste.
Solution
Water can back up in sewers, drains, and sump pumps for a variety of reasons. However, typical property policies do not cover the costs of cleanup and repair. Water backup insurance can provide the protection you need for your building.
Flood
Risk Factor
Floods can cause extensive damage to your property. Even one inch of water can lead to many thousands of dollars of damage. Water damage is considered to be the result of a flood if it comes from the overflow of a natural body of water, but it can also include heavy rain that seeps into the building.
Solution
Flood insurance is typically not included in a commercial property insurance policy, but can generally be added by endorsement as long as the property is not in a high risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high-risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.
Earthquake
Risk Factor
The United States Geological Survey estimates we have about 20,000 earthquakes per year. Thankfully, most of them are small. Some believe that earthquakes only occur in certain areas of the country, but the fact is that in the last 120 years, there have been earthquakes recorded in 39 states.
Solution
Earthquakes can cause extensive damage to your property. The cost to clean up and repair damage can become very expensive very quickly. Damage caused by volcanic eruptions can also be included in earthquake policies.
Wind
Risk Factor
Some windstorms can produce wind speeds as high as 200 miles per hour. This can result in extensive damage to a building, particularly to the roof. Damages caused by wind may not be covered under a standard insurance policy or the coverage may not be adequate.
Solution
Many insurers impose a windstorm deductible, which can be a flat amount or a percentage as high as 5% of the total insured value of the property. Most coastal locations have a high wind and hail exposure and, therefore, policies in those locations typically include large wind deductibles. Separate wind deductible buyback policies can be purchased that will lower the deductible to as little as $5,000.
What You Can Expect From Our Process
When you contact Ingram Insurance Group about natural disaster insurance, we start by learning about your properties and your current coverage. We look at where each property is located, its construction type, age, and use, along with any existing insurance policies you already have in place.
From there, we review options from our network of carriers that serve Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida. We explain how each option addresses natural disaster risks that are common in your area, and we outline coverage details in clear, practical terms. You can expect straightforward answers about what is and is not covered so you can make decisions with confidence.
Once you select coverage, we help you put the policies in place and keep them aligned with changes in your portfolio. As you buy, sell, or renovate properties, we can help you adjust your insurance so that your natural disaster protection stays current.
Why Property Owners Choose Ingram Insurance Group
Ingram Insurance Group is focused on insurance for real estate investment properties, along with coverage for primary homes, autos, and a wide range of commercial risks. Because our agency is owned and operated by experienced real estate investors, we approach insurance with an investor mindset. We understand the importance of protecting cash flow, equity, and long-term value across a portfolio that may span multiple states.
As an independent insurance agency, we are not limited to a single carrier. This allows us to compare options and help you look for coverage that aligns with the specific natural disaster exposures in your areas, from strong storms in the Midwest to severe weather events in coastal states. Our role is to help you see the full picture of your risk and to build an insurance strategy that supports how you own and manage property.
Natural Disaster Insurance FAQs
What is natural disaster insurance for property owners?
Natural disaster insurance refers to property insurance coverage and related options that address damage caused by events such as severe wind, hail, tornadoes, hurricanes, and other catastrophic weather or similar events. In many cases, it is a combination of standard property coverage and additional endorsements or policies that respond to specific types of natural events, depending on what is available from insurers in your state.
Do standard home and property policies cover natural disasters?
Many standard property and homeowners policies provide coverage for some types of weather-related damage, such as wind or hail, subject to policy terms, limits, and deductibles. However, coverage can vary widely by carrier and state, and certain causes of loss may be limited or excluded. That is why it is important to review your current policy and discuss your natural disaster concerns with an insurance professional who can explain how your specific policy responds.
Can you help with natural disaster coverage for investment properties in multiple states?
Yes. Ingram Insurance Group serves clients who own properties in Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida. We work with real estate investors and landlords who own single properties as well as those with multi-state portfolios. We help you evaluate risk in each state and consider coverage options that fit your overall investment strategy.
How do I know if my current coverage is enough for a major natural disaster?
The best way to understand your current level of protection is to review your policies with an insurance professional. Ingram Insurance Group can review your existing coverage, explain how your policy may respond to different natural disaster scenarios, and discuss where you may want to adjust limits, deductibles, or additional coverages. This review can help you decide whether your current strategy matches your comfort level with risk.
Is natural disaster insurance only for large property investors?
No. Natural disaster planning is important for individual homeowners, small landlords, and large investors. Whether you have a single home, a few rentals, or a larger portfolio, damage from a severe weather event can affect your finances and long-term plans. Our team works with property owners of many sizes to help align insurance coverage with the value and location of each property.
Protect Your Home With the Right Coverage Today
If you are unsure whether your current policy truly safeguards you from storms, floods, or wildfires, explore your natural disaster insurance options with Ingram Insurance Group. We will review your risks, answer your questions, and help you move forward, or you can contact us to get personalized guidance.
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