Does Homeowners Insurance Cover Storm Damage?

Understanding what your homeowner’s insurance policy actually covers can often be challenging. Sometimes it will exclude certain events or accidents altogether depending on the circumstances.

For example, damages resulting from flooding may not be covered under your homeowner’s insurance policy, which is why many homeowners will purchase a separate flood insurance policy.

Like having a separate flood insurance policy, there are several steps you can take as a homeowner to best protect yourself and your home from the unexpected. However, you may still be wondering whether or not your homeowner’s insurance covers storm damage. The answer—it depends.

Types of Storm Damage Homeowners Insurance May Cover

Storms can cause a great deal of damage to homes, and not all homeowner’s insurance policies will cover the cost. However, many will often cover certain types of storm damage, such as lightning strikes.

Lightning Damage

Lightning can be unpredictable and strike anywhere at any moment. If it hits your home or near your home, the damages can quickly add up. While every homeowner’s insurance policy is different, oftentimes the provider will cover damages that are a direct result from a lightning strike, which can include power surges or outages that can damage electronics and appliances or even cause structural damage.

Hail Damage

Hailstorms can damage several parts of your property, such as your roof and siding. Oftentimes homeowner’s insurance policies will cover damages resulting from hail and wind. However, it is important to note that water from rainstorms or hail can cause significant damage to a home, but when it comes to water damage, the average homeowner’s insurance policy coverage will depend on the cause of the loss. Double check your policy to determine if yours covers for things like seepage, flooding, etc.

Does Your Homeowners Insurance Cover Your Needs?

Determining what your homeowner’s insurance policy covers prior to placing a claim for storm damage can be beneficial. You can discover whether you should invest in more coverage or learn you may get more comprehensive coverage at a better price.

At GWK Insurance, we help individuals and families find the right insurance policies for their unique needs and budget. Contact us today to learn how we can help you get the insurance policies you need.