WHAT TYPES OF STORM DAMAGE DOES HOMEOWNERS INSURANCE COVER?

3/6/2020 (Permalink)

Lightning Strikes and Power Surges

Should lightning strike your home or other structure covered by your policy, the resulting damage, such as fire or smoke damage, is typically covered by homeowners insurance. Some policies also provide coverage for power surges and outages that are the result of a lightning strike, such as damaged electronics or appliances. As with any coverage, limits will apply. Check your policy or contact your agent to learn the types and amount of coverage it provides.

Wind, Hail and Fallen Trees

If a strong storm roars through, you may find your siding damaged by hail and shingles that the wind ripped off the roof. Homeowners insurance typically covers wind damage. Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind. Most policies also offer some coverage for fallen trees that damage your home, provided the tree broke because of a storm or wind.

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

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