Does Homeowners Insurance Cover Storm Damage?

3/6/2020 (Permalink)

Does Homeowners Insurance Cover Storm Damage?

Homeowners insurance may help cover certain causes of storm damage, including wind, hail and lightning. However, damage caused by flood and earthquakes typically is not covered by a standard homeowners insurance policy. It's important to read your policy to learn what types of storm damage may or may not be covered.

WHAT TYPES OF STORM DAMAGE DOES HOMEOWNERS INSURANCE COVER?

Homeowners insurance typically helps cover the following types of storm damage:

• Water and Ice Damage
• Lightning Strikes and Power Surges
• Wind, Hail and Fallen Trees

Water and Ice Damage

Whether it's a thunderstorm in the spring or a roof covered in ice, water can damage a home. While ice and hail damage are typically covered by homeowners insurance — up to the limits stated in your policy — coverage for water damage varies, depending on the cause. For example, you may find homeowners insurance helps protect you if a frozen pipe bursts in your home. Review your policy to learn what types of water damage it covers.

https://www.allstate.com/tr/home-insurance/homeowners-insurance-cover-storm-damage.aspx

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