When severe weather hits, the last issue you want to agonize over is whether your insurance will cover the damage. Still, this concern becomes urgent for countless homeowners after a storm. Fortunately, it’s avoidable with a few proactive measures—so here’s what you need to know about insurance coverage before a disaster strikes.
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What Does Insurance Generally Cover?
Most homeowners insurance policies cover storm damage, but the extent of this coverage can vary. Wind or water damage restoration, fallen trees or debris, or structural issues with the roof, windows, or siding are usually covered. In many cases, insurance policies will also take care of any storm-related electrical problems. However, there are limitations to homeowners coverage. For example, flood damage or sewage backups often require separate insurance policies. Gradual damage, like a poorly maintained leaking roof, might not be covered either.
Regional Considerations for Additional Coverage
Your home’s location can also influence the extent of coverage you’ll need. Coastal areas, for instance, generally require separate windstorm or hurricane insurance. If you live in a flood-prone area, consider looking into flood insurance. The Great Plains and other “Tornado Alley” regions face unique risks that call for special wind coverage or protection for outdoor structures. If you’re in a hailstorm, wildfire, or earthquake zone, review your coverage for exclusions or high deductibles for this type of damage. While separate coverage might increase premiums, it will also ensure robust protection and minimize out-of-pocket costs.
How to Respond When Storm Damage Occurs
Immediate action is crucial in the aftermath of a storm. Safety should be the priority in all circumstances, so ensure your household is out of harm’s way. Don’t hesitate to evacuate the premises if structural damage has occurred.
Once it’s safe to re-enter your home, be sure to document the extent of damage. Take thorough photos or videos before you start the cleanup process. You’ll need to submit that documentation for insurance claims. As you do this, take reasonable steps to prevent further damage. Cover any broken windows or tarp over a hole in the roof. Most insurance policies require you to take these precautionary measures if possible.
Contact your insurer to report the damage as soon as you can. The claims agent will help you navigate the following steps while sending an adjuster to evaluate the situation. During this process, save all receipts for any costs related to temporary repairs or relocation, as these expenses could be reimbursable. For complex or severe damage, consider hiring a public adjuster to ensure you receive fair compensation from your insurer.
Navigate the Post-Storm Damage Repairs
Once your insurance claim has been filed—and ultimately approved—it’s time to focus on the repairs. Choose reputable contractors who are licensed, insured, and experienced in their field. Be wary of “storm chasers,” who might claim to offer quick fixes but deliver subpar work. Even if your insurer recommends a contractor, it’s still wise to gather multiple estimates. Finally, be sure the contractor knows which repairs your insurance will cover.
While insurance generally covers “like for like” replacement, a storm damage scenario can also allow you to upgrade to more durable or energy-efficient materials. Even if you owe the difference, it might be worth it for better long-term protection. As you make these decisions, communicate with the insurance company and contractor at each stage. This planning and communication will lead to efficient and successful recovery outcomes.