Spring in Oregon: the rain begins to subside, the sun peeks through, and it’s time to tackle those outdoor projects. Whether you’re building a new deck or installing a backyard fire pit, it’s essential to understand how your homeowner’s insurance plays a role.
Oregon’s unique climate, with its potential for heavy rain, windstorms, and even late-season frosts, makes it especially important to consider potential risks. At Elliott, Powell, Baden and Baker Insurance, we have a dedicated team of professionals to work with you in finding the best Homeowners insurance coverage to protect your investments.
Generally, homeowners insurance can provide coverage for outdoor projects in a few key ways:
- “Other Structures” Coverage:
- As part of your homeowner’s coverage, this portion of your policy typically covers structures detached from your primary dwelling, such as fences, sheds, and detached garages. Many outdoor projects, like decks or gazebos, may fall under this category.
- It’s important to review your policy to understand what “other structures” are specifically covered and the limits of your coverage.
- Landscaping Coverage:
- Your policy might offer some coverage for landscaping, including trees, shrubs, and plants, but typically only if covered perils like fire, lightning, or vandalism cause damage.
- It’s important to note that damage from common issues like disease or routine weather conditions is usually not covered.
- Liability Coverage:
- If someone is injured on your property during an outdoor project, your liability coverage can help protect you from financial responsibility.
- This is especially important if you hire contractors or have friends and family help with your projects.
Oregon-Specific Considerations:
- Storm Damage:
- Oregon’s spring weather can be unpredictable. Ensure your policy covers damage from windstorms and heavy rain, which can affect fences, decks, and other outdoor structures.
- Be aware of the potential for fallen trees and your policy’s coverage for removal and damage.
- Flood Risks:
- While standard homeowners insurance doesn’t cover flooding, Oregon residents in flood-prone areas should consider purchasing separate flood insurance through the National Flood Insurance Program (NFIP).
- Earthquakes:
- Oregon is in an earthquake risk zone. Standard homeowners insurance does not cover earthquakes. Contact us, and we can help you secure a separate earthquake policy.
Tips for Protecting Your Outdoor Projects:
- Review Your Policy:
- Before starting any major outdoor project, carefully review your homeowner’s insurance policy to understand your coverage and limitations.
- Document Your Projects:
- Take photos and keep records of your outdoor projects, including materials and costs. This documentation can be helpful if you need to file a claim.
- Hire Licensed Contractors:
- When hiring contractors, ensure they are licensed and insured. This can help protect you from liability in case of accidents or damage.
- Maintain Your Property:
- Regularly maintain your outdoor structures and landscaping to prevent damage and reduce the risk of claims.
- Contact Your Insurance Agent:
- If you have any questions about your coverage or are making significant changes to your property, contact your insurance agent for clarification.
Contact us and our team will help you to you understand your homeowner’s insurance coverage and take proactive steps to protect your outdoor projects, so you can enjoy a safe and successful spring season in Oregon.