As we move deeper into the summer months, Kentucky and the surrounding region enter one of the most active periods for severe weather. From high winds and hail to flash floods and even the occasional tornado, the third quarter of the year brings significant risk for property damage. At Commonwealth Insurance Services, our goal is to make sure you’re not caught off guard by coverage limitations when it matters most.
Each year, we see homeowners learn—too late—that their policies don’t provide the protection they assumed. A strong storm can cause thousands of dollars in damage in a matter of minutes. Understanding the details of your insurance coverage before severe weather hits is critical.
Here are a few key areas we recommend reviewing:
- Wind and Hail Deductibles : Many policies now carry separate wind/hail deductibles, which may be listed as a percentage of your dwelling coverage rather than a flat dollar amount. For example, if you have a 2% wind deductible on a $300,000 home, your out-of-pocket cost after a storm could be $6,000.
- Roof Coverage Type : Some policies cover your roof at replacement cost, while others only pay the actual cash value (ACV), which factors in depreciation based on the age of your roof. If your roof is older than 10 or 15 years, this difference can significantly impact your payout after a claim.
- Personal Property Inventory : Keeping updated photos or a quick video walkthrough of your home’s interior is one of the easiest ways to speed up a claim. In the event of a loss, having proof of ownership and condition can make a major difference in how efficiently your claim is processed.
At Commonwealth Insurance Services, we provide complimentary policy reviews for both existing and new clients. We’ll walk through your coverage line by line, answer questions in plain language, and point out any gaps or areas of concern—before the next storm tests your protection.
If you haven’t reviewed your homeowners’ or renters’ policy in the past year, now is the time. Even small changes—like updating your deductible or adding roof coverage endorsements—can provide major peace of mind. Call us today at (502) 813-5436 to schedule your storm season review with a CIS agent. We’re here to help you protect what matters most—no matter what the weather brings.
