Does my Home Insurance Cover Storm Damage?

You may be able to expand your coverage by:

• Purchasing an endorsement to your homeowner policy, i.e. sewer back-up, service line coverage, and broader coverage for contents
• Purchasing a separate policy, i.e., flood insurance, because floods are not covered by homeowners insurance.

Check your policy details to see what causes of loss are covered and what is excluded. Speak with your agent if you have questions or want to explore options for enhancing coverage. Below are some general rules for common weather-related loss situations. Keep in mind that coverage limits and deductibles apply to covered losses.

Wind, Hail & Fallen Trees

Wind and hail that damages roofing or shingles and wind-driven rain, hail, or snow that causes internal damage due to wind are generally covered by homeowners’ policies If a storm or weight of snow, sleet, or ice causes a tree to hit your home or another insured structure such as a detached garage or shed, a typical home insurance policy covers damage the tree causes to the structure and contents inside (when the damage causes a hole in the building). It also provides limited tree debris removal coverage ($500 or slightly more) when a tree or a covered structure hits your home. But, if a tree falls in your yard, it’s generally not covered. In the winter, if the power goes out for an extended period, you may experience frozen pipes that could break/leak when the power comes back on. Home insurance typically covers resulting damage.

Lightning 

If your home is struck by lightning, the damage to the structure is covered by typical homeowners insurance. Generally, damage to appliances and electronics due to power surges related to a lightning strike on your property is covered. However, if a power surge results from an off-property electrical issue, homeowners policies typically don’t provide coverage unless you have purchased expanded coverage on personal property. Also, the amount of coverage for appliances or electronics depends on the specifics of your policy, such as the coverage limit amount, deductible, and whether you’ve chosen personal property replacement cost or actual cash value protection. It’s always a good idea to use quality surge protectors and test them to make sure they are working correctly to help prevent a claim situation.

Water, Floods & Ice Damage

Water from rain storms or ice can cause significant damage to a home. Homeowners insurance typically covers damage from hail and ice; however, regarding water, coverage depends on the cause of the loss. Wind-driven rain or a frozen pipe bursting are typically covered by home insurance; however, floods from rain or a body of water overflowing are not covered by home insurance and require a separate flood policy, which has its coverage limitations regarding definitions of a flood and coverage availability.

Sewer back-ups, which can happen after a heavy rain storm, are often excluded from home coverage unless you specifically purchase the coverage by adding an endorsement. However, seepage, where water enters due to saturated ground or poor drainage, is not covered by homeowner or flood policies.

When it comes to your home’s contents, it’s also essential to understand your coverage. For example, a typical home policy covers damage to the structure from water damage due to ice dams; however, your personal property is often covered on a “named perils” basis and may not be covered for ice dams unless you purchase extended coverage. Your agent can help you to understand your current coverage and options.

Earthquakes

Earthquakes and earth movement are not covered by homeowners insurance. However, earthquake insurance is available through an endorsement. You don’t have to live in a high-risk area, like California, to face a risk of earthquake. New England has historically experienced severe earthquakes, and it could happen again.

Plan Ahead

Before you have a claim, it is important to understand storm damage coverage and what may or may not be covered by insurance. This will allow you to either purchase additional insurance protection if available and transfer the risk or understand what may not be covered so that you can take preventative measures in advance.