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Insurance Agents Urge Homeowner's Insurance After Recent Storms
CEDAR RAPIDS (CBS 2/ FOX 28)-- It's by pure luck that Emily and Leo Denny's mobile home is still in one piece.
"If it would have fallen the other way it would have landed in our bedroom," said Emily.
Two days later, they're still digging themselves out from under the tree that landed on top of their bowling street home.
The damages are minor, mainly dents to their gutter. And, that's a good thing since they don't have homeowner's insurance.
"We haven’t lived here that long, so I guess it was one of those things that never crossed my mind until now," Emily said.
But for thousands in Oklahoma who weren't so lucky and whose homes are now reduced to rubble, experts say now is the time to make sure your home is well-protected.
"It's a good time to just sit down with your agent and just review your policy, make sure it's covering what you want it to cover,” said Scott Enyart, Vice President of P&C Operations for AW Welt Ambrisco Insurance.
Enyart says homeowner's should check their policies at least once a year.
He also says they should make sure their homes are insured for the amount it would take to rebuild them instead of their value.
Lastly, he says they should make sure they have added coverage for things normally not covered by insurance like water/sewer damage.
"It could be gone in an instant," Enyart said.
The insurance claims caused by the damage in Oklahoma are likely to top $1 billion.
Emily and Leo say they'll be footing the bill for the damage caused to their home by themselves.