Does Homeowner's Insurance Cover Storm Damage?

3/2/2022 (Permalink)

Supplemental policies can offer extended coverage.

As a homeowner, you can take steps to protect your home from the unexpected, but you can’t control what the weather throws your way. Storms are unpredictable and can cause costly damage to your property. Homeowner’s insurance can lessen the challenge of repairing your home after a storm. It is important to remember that coverage varies by policy. 

A standard homeowner’s insurance policy typically covers the following types of storm damage:

• Windstorms & tornadoes
• Ice storms
• Hail damage
• Lightning strikes
• Wildfires
• Fallen trees
• Power surges

Damages caused by earthquakes and floodwater are not typically covered by standard homeowners’ insurance. However, supplemental policies can offer extended coverage. Property owners residing in areas prone to such natural disasters may want to consider adding supplemental insurance.

In the event of storm damage, you can rest assured that SERVPRO professionals will work closely with your insurance company to safely restore your home.