Does Home Insurance Cover Storm Damage?

by | Dec 12, 2022 | Wind & Storm Damage | 0 comments

Natural disasters, such as storm damage, can be destructive and even costly to repair if your home is affected. As a result, it is critical to be prepared to minimize repair costs or damage associated with these types of calamities. A homeowners insurance policy can help you prepare because it typically covers some types of storm damage.

However, it is critical to read and review the terms of your insurance policy to understand the inclusions, exclusions, deductibles, and coverage limits. Is storm damage covered by homeowners insurance? “Perhaps,” is the answer. Let’s talk about it to get a better understanding.

Wind And Hail Damage

Hail damage is covered by standard home insurance, minus any existing deductible. Roof damage as a result of hail damage is a common storm damage-related claim. Furthermore, the weight associated with snow, sleet, or ice may be on a list of covered perils on your homeowner’s insurance.

A standard home insurance policy covers any damage caused by high winds, including hurricanes, winter storms, and tornadoes. High winds can cause structural damage to your home as well as damage to your belongings. It is critical to review the terms and conditions of your homeowner’s policy because wind damage coverage may have exclusions.

Severe Types Of Weather Damage “NOT” Covered By Your Home Insurance


Flood damage is typically not covered by standard home insurance policies. However, you can obtain specialized flood insurance from a private flood insurance company or the National Flood Insurance Program (NFIP) (National Flood Insurance Program).


Standard home insurance policies don’t cover damages resulting from earthquakes. However, some states provide separate endorsements or policies for earthquake coverage.

How Insurance Covers Severe Weather Damage

Below are various ways homeowners’ insurance can cover the risks associated with storm damage:

Wind And Hail Damage To Home

If strong winds, hail, or rain cause damage to your home’s interior or even the roofing or siding, your homeowner’s insurance may cover the costs. However, as long as there is no damage exclusion, it will be covered by the policy. It may also be covered if fallen trees caused damage to your home as a result of high winds.

Your policy’s dwelling coverage will cover damage to your roof, windows, or siding, as well as help pay for replacement or repairs caused by high winds. Personal items that were destroyed will also be replaced or repaired under the same homeowner’s insurance policy. The majority of wind-related damage is covered by the homeowner’s policy.

Water Or Ice Damage To Home

Your homeowner’s insurance may cover accidental and unexpected water damage. If your yard floods as a result of a storm, you’ll need separate flood insurance because you won’t be protected. Your homeowner’s insurance will cover the risk of damage caused by the weight of snow, ice, sleet, or an ice dam.

Lightning Strike Damage To Home

Your homeowner’s policy will cover you if lightning strikes and causes a power surge or fire. Your damaged appliances or electronics as a result of a power surge will also be covered.

Steps You Should Take For A Weather-Related Insurance Claim

If your home has been damaged by a severe storm, you should contact your insurance company right away. This will allow you to get things going while also preventing further damage. If you’re unsure whether your home damage is covered by your deductible, hire a qualified professional to inspect and quote your repairs.

You should also contact your insurance company if your estimates exceed your deductibles. For a better chance of receiving fair compensation due to an accurate review of your claim, consider documenting the damage with video or photos.


homeowners insurance


Tips For Protecting Your Property From Severe Weather

Check Your Policy

You should thoroughly review your homeowner’s insurance policy to ensure you understand all coverage limitations and exclusions. If you live in an area prone to storms or severe weather, make sure you have adequate storm insurance coverage. If you have any questions about the details of your coverage, don’t be afraid to ask your insurer.

Be Proactive

Don’t wait until a disaster strikes before purchasing homeowners insurance to ensure your safety. Most insurance companies will not issue policies if your area is under a hurricane watch.

Ensure Your Deductible Is Within Your Budget

Wind and storm deductibles can be quite expensive. Prepare to pay more money out of pocket if your policy’s percentage deductibles are far more expensive than you can afford. Check to see if you have the option of a flat deductible amount; if so, choose the lowest deductible in exchange for paying a higher monthly premium.

Quality Storm Damage Restoration Services In West Palm Beach, FL

Titan Restoration Construction specializes in storm damage restoration in West Palm Beach, FL. If you have storm damage in your West Palm Beach home, you must contact our office immediately to minimize damage. We provide 24-hour emergency restoration services and are always quick to arrive at a storm-damaged home to ensure that the cleanup and restoration work begins and ends as soon as possible.

We also provide water damage restoration, flood damage restoration, fire damage restoration, mold remediation and removal, general contracting, and new construction. Remodeling, commercial restoration, residential construction, and food service facilities are among the other services offered.

Our storm damage restoration specialists are friendly, dedicated, and extremely knowledgeable. We use modern and specialized equipment to perform quality restoration work in your home. We have an excellent reputation for producing high-quality work, and we always make certain that our clients are completely satisfied with our services. Contact us today and allow us to provide you with outstanding storm or water damage restoration services.


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