Storm Damage - Is It Covered?

5/6/2021 (Permalink)

There is nothing worse than trying to recover from storm damage only to find out it isn't covered by your homeowner's insurance. 

You'll need to check your individual policy and speak with your insurance agent, but the typical policy will cover these storm claims: water and ice damage, lightning strikes and power surges, and wind, hail, and fallen trees.

Coverage for water damage varies depending on the cause. Review your policy to see if your particular situation is covered (pipes burst, overflowing toilet, leaking ice maker, etc)

If lightning strikes, the resulting fire or smoke damage is often covered. Some policy may even provide coverage for power surges or outages as a result of the lightning strike.

Some storm damage is not covered at all without a separate specific insurance policy such as earthquakes or floods. If you live in an area where these are frequent you will want to work with your agent for the best coverage to fit your needs. 

As with any claim, limits apply. Your policy will spell out your coverage and your agent can help explain the best course of action in the event of a loss. 

For a stress free claims process, SERVPRO of Benton, Jasper, Newton & Sothern Lake Counties works with your insurance to help manage the insurance process and paperwork.