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Fire & Water - Cleanup & Restoration

Is Storm Damage Covered by Insurance?

2/20/2023 (Permalink)

Storm damage may be covered by your insurance policy, but you’ll need to reach out to your agent to get specifics about your particular coverage. It’s important to note that your home must be maintained to a reasonable standard. Otherwise, it could be hard to prove that the storm was the cause of the damage versus a lack of proper maintenance and general wear and tear.

  • Insurance coverage for weather damage can depend on the type of policy you have and any events it specifically includes or excludes.
  • Liability due to weather factors on your property are often covered, such as if someone slips on ice and is injured.
  • It’s advisable to review your home insurance policy so you know exactly what it does and doesn’t cover before a weather event occurs.
The most common types of weather-related damage include:

  • Hail damage
  • Roof damage
  • Water damage
  • Wind damage
  • Sewer back-up
  • Frozen pipes
  • Fallen trees
  • Ice dams
  • Power failure
  • Flooding
  • Although not all damage is covered by standard homeowners' insurance, most of the above items are, with flood damage being the major exception.

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