How Does Insurance Work for Storm Damage?

Homeowner insurance typically covers some damage from storms, like water and ice damage, lightning strikes and power surges or even wind, hail and damage from fallen trees. Typically damage caused by flood and earthquake are not typically covered. But not all insurance policies are the same, so it’s important to know your specific policy.

While water and ice damage is typically covered in your homeowners insurance, within limits stated in the policy, coverage for the water damage may vary. Let’s say, you may find homeowners insurance helps protect you if a frozen pipe burst in your home. But may not cover your home if rain comes in through a window and floods the upstairs bedroom.

If lightning strikes your home, the resulting damage might be a fire or smoke damage. This is typically covered by insurance. If that same lightning strike put a surge of power through your house and damaged electronics or appliances; some but not all may be covered with your insurance. It’s best to know your homeowners insurance policy.

If your roof or siding have damage from hail, your homeowners policy typically covers this damage. Most policies will even cover damage from a tree falling on your house if it falls because of wind or storms.

When the weather picks up and storms are prevalent, it’s best to know what coverage your homeowners policy has so you know when to call your insurance company and when you know you’ll be paying the bill out of pocket.

If you find your home has damage from storms or just bad luck, at BB Roofing, we will work with you and your insurance company to find the best and most cost-efficient way to fix your home.

If you need help or have questions about storm damage, call BB Roofing and we will walk you through all the options that fit your needs and your budget. Call BB Roofing for a free, no obligation estimate today!