What you should know about insurance claims for storm damage

A major storm might have an impact on your home regardless of where you live. Unfortunately, you have no control over the weather. You, on the other hand, have control over how you defend yourself in the case of the unexpected.

When a storm strikes and your home endures costly damage, homeowners insurance provides peace of mind. Although it may not always apply, coverage for a variety of common storm risks may begin to take effect. Here’s how to file a storm damage claim and when to do so.

Is storm damage covered under house insurance?

The bulk of storm damage is covered by homeowners insurance, while the cause of the damage may be important in some cases. The most prevalent forms of house insurance cover damage caused by:

  • Water and ice harm.
  • Surges in power and lightning strikes.
  • Hail, wind, and felled trees are all possibilities.

Water and ice harm

Water in any form may be extremely dangerous, and storms typically feature some sort of water or precipitation. Fortunately, rain, ice, snow, and hail damage are typically covered by house insurance; nevertheless, there are some scenarios when the link between water damage and home insurance might be complicated.

Assume that heavy winds cause your roof to be ripped off, enabling rain to damage the interior of your home. Because rain was able to enter your property as a result of wind damage—a recognized peril—most house insurance policies cover this sort of water damage. You’re undoubtedly covered if a tornado damages your home and rain breaks your windows. Similarly, if an ice storm destroys your roof or siding, your homeowners insurance would most likely begin to pay out.

Floods, on the other hand, are one-of-a-kind. Flood damage caused by a storm is frequently not covered by insurance.


Flooding damage is often not covered by homeowner’s insurance. Regardless of who or what caused your flooding, this is correct:

  • torrential rainfall
  • Snowmelt.
  • Overflow of a river or stream.
  • Hurricane.
  • The drainage system is clogged.

Flood insurance is available through the National Flood Insurance Program (NFIP), or you can purchase private flood insurance from a provider such as Kin. Because it is an endorsement to your home insurance policy, our flood insurance is often less expensive than NFIP rates.

Wind and hail

Is wind damage covered by homeowners insurance? Usually, the answer is yes. Hail belongs in the same category. As a result, if strong winds pull shingles off your roof or a tree falls into your living room, your insurance will almost probably cover it. You’re probably also covered if wind damage causes water damage inside your home.

Surges in power and lightning strikes

Your home insurance may cover any fire, smoke, or power surge damage caused by a lightning strike on your home or another structure on your land. The possibility of this growing is due to unplanned and unexpected injury. Damage that occurs gradually is frequently ignored.

Is roof damage covered under homeowners insurance?

If your roof is damaged or leaks during a storm, home insurance will cover both the roof damage and any interior damage as long as it was caused by a covered risk.

However, if it was caused by anything not covered by your insurance, such as poor maintenance, your claim would most likely be denied. Furthermore, unless you have separate flood insurance or a flood insurance endorsement, your roof damage caused by flooding is unlikely to be paid.

How does homeowners insurance cover hurricane damage?

Homeowner’s insurance normally provides the following types of coverage for storm damage:

  • Housing security. pays to replace any damaged components of your house and, in the event of a catastrophic loss, may even cover the entire structure’s value.
  • Personal property insurance. covers the costs of damage to your covered personal belongings, such as clothing, artwork, furniture, and so forth.
  • Other structures provide coverage. includes the cost of any detached structures (such as sheds, driveways, and detached garages) and the materials used to build them.
  • Protection against loss of use. pays additional living expenses if a covered loss compels you to live somewhere else while your residence is being restored. This coverage frequently includes hotel costs, food prices, and a few other living expenditures as long as they are compatible with your current standard of living.

Before any coverage begins, you must pay the deductible that you specified when you purchased your insurance. Your policy’s applicable coverage limits also apply. This means that your insurance will only pay repairs up to the policy’s maximum authorized for a certain type of damage.

A description of deductibles

Home insurance policies may involve many deductibles, especially if they cover houses in disaster-prone areas. For example, in Florida, homeowners’ insurance usually includes a hurricane deductible that applies exclusively to damage caused by named storms. You can also have a wind/hail deductible for damage caused by a violent convective storm.

  • Because they only apply to specific types of damage, you may be responsible for each of these deductibles if a catastrophic event happens.
  • How to File a Claim for Storm Damage
  • The hurricane has passed. What comes next? Here are some tips for filing a storm damage insurance claim.

Contact your insurance company. Your insurance provider can advise you on how to secure your property, inventory your damaged property, and take any other measures necessary to begin the claims process. Maintain accurate records. Any receipts for your damage and recovery costs should be kept. These will be critical in expediting your insurance claim and ensuring you receive fair reimbursement.

Take careful notes on everything. Because of paperwork, your storm damage claim settlement is correct. Make a detailed record of what has been lost and separate damaged from undamaged items. You should provide as much information about each item on your list as possible.
Get price estimates from specialists. To guarantee that you are fully reimbursed, acquire written estimates and follow your insurer’s standards. Be aware that scam artists usually emerge from hiding after a major storm. Whether you’re filing an insurance claim or not, look into anybody who offers to repair your house, especially if it appears too good to be true. Look for reputable contractors in your area who are qualified, insured, and licensed.

Above all, make sure to cooperate fully with the insurance inquiry. An insurance adjuster will most likely visit your storm-damaged house within one to two days. If you want your claim to be settled quickly, make sure to be on-site with the adjuster and completely cooperate with the investigation.

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