Storm Insurance Information
Storms are natural occurrences that can cause significant destruction to even the most robust and fortified properties. Fortunately, while you can’t control the weather, you can control your level of preparedness and protection through storm insurance. However, storm insurance may be complicated; you must be diligent in ensuring you fully understand your coverage options.
The term “storm insurance” typically refers to coverage protections offered by homeowners insurance or other additional insurance, rather than its own specific type of policy.
Is Storm Damage Covered by Homeowners Insurance?
Homeowners insurance typically covers many types of storm damage, but it’s essential to read your policy carefully for any exceptions. Standard homeowners insurance policies usually include protection against a wide range of storm-related perils, such as lightning strikes and hail. Homeowners policies often cover repairing or replacing your home’s structure and personal belongings.
However, it’s crucial to note that some natural disasters, like flooding and earthquakes, are generally not covered by standard homeowners insurance. For flood protection, you’ll typically need to purchase a separate flood insurance policy through the National Flood Insurance Program or private insurers.
Is Wind Damage Covered by Homeowners Insurance?
Wind damage may be covered by homeowners insurance. If a storm produces strong winds that lead to roof damage, fallen trees or shattered windows, your policy may help cover the repair costs. Documenting the damage, taking photos and contacting your insurance provider as soon as possible is vital.
It should be noted that standard homeowners insurance may not include coverage for windstorms in regions prone to hurricanes, tornadoes and other severe wind-related events. Instead, insurers may offer specific endorsements or deductibles related to windstorm damage. Speak to your agent to learn if such stipulations apply to your policy.
What Does Storm Insurance Cover?
Following storm damages, your homeowners insurance typically covers:
- Structural damage—This includes repairing or replacing your home’s structure, such as the roof, walls and foundation.
- Personal property—Your policy may reimburse you for damaged or destroyed personal belongings, such as furniture, electronics and clothing.
- Additional living expenses—If your home is uninhabitable due to storm damage, insurance can cover temporary living expenses, including hotel costs and meals.
- Liability—If a storm causes damage to your neighbor’s property, and you’re found liable, your homeowners insurance may cover their repairs.
Get the Right Coverage
The dedicated staff at Jack Lee Fong Insurance Agency Inc. is well-equipped to help homeowners, families and individuals in the San Francisco Bay Area secure optimal coverage for storm-related losses and damages.
Contact us today to get started.