How Safe Rooms Save Your Time on Insurance Claims

 

40% of insurance claims in the U.S. arise from weather-related damage to properties, with a large percentage being due to storm damage.

When a major storm hits, many homeowners find themselves facing property damage, which throws them into a long and often stressful process of filing insurance claims. From paperwork delays to disputes over coverage, the road to recovery can take weeks or even months.

But what if there was a solution that could significantly reduce the need for insurance claims?

Safe rooms, also known as storm shelters, have not only been helping save lives but also minimizing the expenditure one needs to make after the calamity passes.

This article discusses how safe rooms have been reducing the reliance on insurance claims.

How Safe Rooms Help You Avoid the Hassle

A FEMA-approved safe room is capable of withstanding tornado-strength winds of up to 250 mph, shielding occupants from debris and damage outside. Beyond saving lives, the space also helps save important valuables in your house.

Here’s how they lead to fewer insurance claims:

• Less Structural Damage

If your safe room is anchored properly, it can prevent part of your home from collapsing, especially if it’s present in a reinforced area like a garage or interior wall.

• Protects Valuables & Pets

Most homeowners store important documents, pets, or other material objects with them during storms as they can’t risk losing those valuables. This reduces the amount of high-value content damage commonly claimed on policies.

• Fewer Medical Expenses

Being in a safe room reduces accidents and injuries by a significant degree since a person is no longer exposed to flying debris, flooding, or high winds. This reduces the possibility of any medical expenses.

• Insurance Incentives

In highly affected states, including Texas, homeowners with FEMA-approved storm shelters often qualify for premium discounts on windstorms or property insurance through certain providers (FEMA P-320).

Real-Life Cost Benefits

According to FEMA, the average cost for safe room installation ranges between $3,000 to $10,000, depending on size and location. While this value may change with time, it pales in comparison to the average cost of replacing household contents, which ranges from $8,000 to $25,000.

Making this comparison, it is evident that safe rooms are not only immediate storm protection but a long-term financial investment.

Save Your Time & Money

Dealing with storms and their aftermath is already a stressful task. Adding the long and time-consuming task of insurance claims only makes things more draining. Therefore, a safe room not only acts as a physical shield against storm damage but a barrier to financial damage too.

Willing to explore safe room options in Texas? Check out the services of U.S. Safe Room Tornado Shelters. With a catalog of safe rooms that are installed within two weeks, these safe room shelter in Dallas, TX can withstand up to an E5 tornado.

Get to work on your safe room installation today – contact them now!