Storm Season in the Midwest: Is Your Coverage Ready?

As summer storms grow more intense and unpredictable, Midwest homeowners and business owners are facing rising risks. From powerful hailstorms and damaging winds to devastating floods and tornadoes, the region is no stranger to weather-related disasters. At Chastain Otis, we believe now is the time to review your insurance policies—before the next siren sounds.

Why Storm Preparation Is No Longer Optional

In recent years, the Midwest has seen a noticeable uptick in severe weather events. Climate shifts have made once-rare storms more frequent and ferocious. With this rise comes increased risk to your home, vehicles, and livelihood. Unfortunately, too many policyholders discover coverage gaps only after the storm hits.

Your peace of mind starts with knowing exactly what’s covered—and what isn’t.

3 Reasons to Review Your Coverage Now

1. Storm Damage Isn’t Always Fully Covered

Standard homeowners or renters insurance may cover wind and hail damage, but many policies have exclusions or higher deductibles for these perils. Flood damage, often caused by heavy rains or overflowing rivers, is typically not covered under a standard policy—it requires a separate flood insurance policy.

2. Replacement Costs Have Risen

With the costs of construction materials, vehicles, and personal property at historic highs, what it cost to rebuild or replace a few years ago may fall short today. Reviewing your policy can ensure your coverage limits reflect current replacement values.

3. Your Life Has Changed

Have you renovated your home, purchased new furniture, upgraded your roof, or added a new basement office or gym? All of these updates could affect how much coverage you need—or highlight the need for endorsements that aren’t part of your base policy.

Chastain Otis Can Help Fill the Gaps

We specialize in identifying overlooked vulnerabilities and customizing coverage that’s built for your life—not just a generic template. Whether it’s tailoring a homeowners policy, bundling with auto coverage, or adding specialized protection like flood insurance, our advisors are here to help you stay protected in every storm.

Let’s Talk Before the Next Storm Hits

At Chastain Otis, we’re proud to be part of the Midwest community we serve. That means we don’t just write policies—we stand with you through the weather.Ready for a no-obligation policy review?

Contact us today, and let’s make sure your coverage is storm-season ready.