FRIDAY, JULY 21, 2023
Severe storms can be devastating, causing extensive damage and creating financial strain on homeowners. Being prepared for unexpected events is essential when protecting your home and belongings, and having adequate insurance coverage is crucial. Without the proper coverage, you would have to pay for costly damage out of pocket.
Does Homeowners Insurance Cover Storm Damage?
Some homeowners insurance policies include coverage for storm damage, but it varies based on the insurer. Insurers may also recommend additional coverage for storms based on the known risks in your area, such as specific policies for flood and earthquake damage.
What Kind of Storm Damage Is Covered by Homeowners Insurance?
Homeowners insurance may include coverage for the following severe weather damage:
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Hail
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Wind
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Wildfires
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Lightning
However, depending on location and insurer, some policies may include exclusions for certain weather-related damages, such as from high wind or wildfires. Speak with your agent to learn about potential coverage exclusions and whether additional endorsements are available to fill the gap. 
Does a Homeowners Insurance Policy Protect Vehicles?
Vehicles typically need separate auto insurance coverage for protection from storm-related damage. Specifically, you will want comprehensive coverage, which may help cover the cost of repairing or replacing a vehicle if it is damaged by severe weather.
How Can I Protect My Property From Severe Weather?
The following are a few tips for protecting your property from the financial impacts of severe weather:
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Review your insurance policy regularly. If your location frequently experiences severe weather, review your policy to know exactly what is covered and excluded. You should also update your insurance if you ever make changes to your property, such as building a deck or swimming pool, to ensure that these additions are protected under your policy.
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Make sure your deductible is within your budget. Some insurers may charge specific storm and wind deductibles on top of a standard homeowners deductible. Review your policy to see if this applies to your circumstances and consider budgeting for this potential expense.
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Put proper precautions in place. You may be able to better protect your home by executing the following preventive measures:
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Keep drains, gutters and downspouts clean.
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Remove dead trees and branches that could fall and cause injuries or damage in a storm.
Contact Gene Smith Insurance to discuss your coverage options further. We can help ensure you have the coverage you need for protection and peace of mind.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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