{"id":5996,"date":"2025-02-13T23:30:14","date_gmt":"2025-02-13T23:30:14","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/are-you-underinsured-heres-how-homeowners-can-check-their-coverage\/"},"modified":"2025-02-13T23:30:14","modified_gmt":"2025-02-13T23:30:14","slug":"are-you-underinsured-heres-how-homeowners-can-check-their-coverage","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/are-you-underinsured-heres-how-homeowners-can-check-their-coverage\/","title":{"rendered":"Are you underinsured? Here&#8217;s how homeowners can check their coverage."},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<p>Thousands of Californians who lost their homes in the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/losangeles\/news\/los-angeles-palisades-eaton-fire-full-containment\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Los Angeles fires<\/a><\/span> last month are now grappling with insurance claims. And with research showing that extreme weather today\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/climate-change-home-prices-housing-realtor-com\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">poses a threat<\/a><\/span> to nearly half of all U.S. homes, it&#8217;s important to know exactly how much coverage you have so that when disaster strikes, you&#8217;re not left standing in the rubble.<\/p>\n<p>Indeed, as many as 3 in 4 U.S. homeowners could be underinsured, reports CBS News national consumer correspondent Ash-har Quraishi. That means more Americans should get to know their insurance policies, said Jennifer Gray Thompson, CEO of the nonprofit After the Fire USA.<\/p>\n<figure class=\"embed embed--type-video embed--type-content_video is-video embed--float-none embed--size-medium \"><figcaption class=\"embed__caption-container\"><a href=\"https:\/\/www.cbsnews.com\/video\/families-dropped-by-insurance-struggle-after-losing-homes-in-california-fires\/\" class=\"embed__headline-link\" data-invalid-url-rewritten-http=\"\"><\/p>\n<p>          <span class=\"embed__icon\"><br \/>\n            <svg viewbox=\"0 0 32 32\" aria-hidden=\"true\"><use xlink:href=\"#icon-video\"\/><\/svg><\/span><\/p>\n<p>          <span class=\"embed__headline\">Families dropped by insurance struggle after losing homes in California fires<\/span><\/p>\n<p>          <span class=\"embed__video-duration\">03:39<\/span><\/p>\n<p>                      <\/a><\/p>\n<\/figcaption><\/figure>\n<p>&#8220;Well, the first thing you have to do is actually read your policy, and most of us don&#8217;t do that, and so really encourage you to either sit down with somebody who is an expert in insurance \u2014 your underwriter [the insurance company] will be able to do this with you,&#8221; Thompson told Quraishi.<\/p>\n<h2>How much coverage do I need?<\/h2>\n<p>Determining how much insurance you have, versus what you need to rebuild your a home in case of a disaster, is relatively straighforward. Start by taking the dollar amount of your policy coverage limit and dividing that by the square footage of your house or apartment.\u00a0<\/p>\n<p>The resulting figure should equal the average construction cost per square foot in your area \u2014 a dollar amount Quraishi said you can find by doing an online search for &#8220;construction cast per square foot,&#8221; along with your zip code.<\/p>\n<p>For those who discover they have no protection of any kind of natural disaster, or after doing the math find that they&#8217;re not sufficiently covered, the next step should be to get the maximum amount of coverage they can.<\/p>\n<p>&#8220;Do go to your underwriter and ask,&#8221; Thompson said. &#8220;Max out on your insurance \u2014 it does cost us a little bit more every single month, but it&#8217;s just incredibly important. Some people won&#8217;t call because they&#8217;re afraid of being dropped. Do not do that.&#8221;\u00a0<\/p>\n<h2>Make a list of all your things<\/h2>\n<p>Your home insurance policy should also cover possessions, also known as contents insurance. To be sure you&#8217;re fully covered, make a list of all of your belongings, along with their estimated value. Update the list every year and let your agent know about any large purchases, from jewelry to cars.<\/p>\n<p>&#8220;Most people don&#8217;t even know they have contents insurance as part of their insurance policy,&#8221; Thompson said. &#8220;See how much it is.&#8221;<\/p>\n<figure class=\"embed embed--type-video embed--type-content_video is-video embed--float-none embed--size-medium \"><figcaption class=\"embed__caption-container\"><a href=\"https:\/\/www.cbsnews.com\/video\/sen-welch-of-vermont-discusses-fema-disaster-aid-amid-trump-administrations-federal-cuts\/\" class=\"embed__headline-link\" data-invalid-url-rewritten-http=\"\"><\/p>\n<p>          <span class=\"embed__icon\"><br \/>\n            <svg viewbox=\"0 0 32 32\" aria-hidden=\"true\"><use xlink:href=\"#icon-video\"\/><\/svg><\/span><\/p>\n<p>          <span class=\"embed__headline\">Sen. Welch of Vermont discusses FEMA, disaster aid amid Trump administration&#8217;s federal cuts<\/span><\/p>\n<p>          <span class=\"embed__video-duration\">09:43<\/span><\/p>\n<p>                      <\/a><\/p>\n<\/figcaption><\/figure>\n<h2>When to call Fema\u00a0<\/h2>\n<p>If you find yourself in the middle of a crisis while underinsured, you can contact the Federal Emergency Management Agency at 800-621-3362 from 7 a.m. to 10 p.m. Pacific time seven days a week. The U.S. Department of Homeland Security also may be able to provide assistance and negotiate with your insurance company.\u00a0<\/p>\n<h2>What if you think you&#8217;re underinsured?\u00a0<\/h2>\n<p>If after reading your policy and calculating your coverage you determine you&#8217;re underinsured, but your insurance provider insists that you&#8217;re fine, Thompson suggests having them put that in writing.<\/p>\n<p>&#8220;Ask them to actually put it in writing \u2014 an email or something back to you that is official saying that you are adequately insured,&#8221; she said. &#8220;You must have it in writing and in some way that you can easily access it.&#8221;<\/p>\n<p>For more information on the risks of being underinsured, visit the nonprofit United Policyholders&#8217; website at\u00a0<a href=\"http:\/\/upheld.org\" target=\"_blank\" rel=\"nofollow noopener\">upheld.org<\/a>.<\/p>\n<p class=\"content__meta--contributors\">\n      <em><\/p>\n<p>                      <span class=\"byline__author__text\">The Associated Press<\/span><\/p>\n<p>        contributed to this report.<br \/>\n      <\/em>\n    <\/p>\n<p>    <!-- data-recirc-source=\"queryly\" --><\/p>\n<aside class=\"component list recirculation component--type-recirculation \"\/><!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/anne-marie-lee\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Anne Marie Lee<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Anne Marie D. Lee is an editor for CBS MoneyWatch. She writes about topics including personal finance, the workplace, travel and social media.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/home-insurance-full-coverage-natural-disaster\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thousands of Californians who lost their homes in the Los Angeles fires last month are now grappling with insurance claims.<\/p>\n","protected":false},"author":1,"featured_media":5997,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[823,835],"class_list":["post-5996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-watch","tag-climate-change","tag-homeowners-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are you underinsured? 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