Does Home Insurance Cover Storm Damage?

One of the most important aspects of understanding the limits of coverage on your homeowners’ insurance is the ability to cover storm damage. Many people assume any storm damage is covered by their homeowners’ insurance, which is not true.

What Damage Is Covered?

In the event of a natural disaster or storm, you should know what the limits of coverage are for your home. If your home insurance does not cover certain aspects of damage that you are vulnerable to, you should purchase additional insurance so you are not left unprotected. For example, you are not covered if you experience a flood either from a storm or because of mechanical failure in the home. However, wind, hail, and lightning are usually covered by a homeowners’ insurance policy. Ask your agent for specifics when choosing your insurance, and ask them to help you determine what other types of insurance you may need to cover yourself completely based on the area you live in, and the risks associated with your location.

Amount Of Coverage

Determining the amount of coverage you need to protect you from storm damage is based on the value of your home and other factors such as contents and additional structures. Gather all of your information and receipts and get an accurate total of the value of your home and let your agent help you get the right coverage amount. For more information about storm coverage and coverage amounts, call or stop by Cypress, TX, InsureUS.

Our professional insurance agents can get you the insurance you need so you can be fully protected from storms and other covered events. Don’t leave your financial well-being to chance. Get the right coverage you need today.