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.
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.
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.
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