What Storm Damage Is Covered by Homeowners Insurance?

Wind and hail damage to your home's structure, like your roof, siding, and windows, is often covered by a standard homeowners policy. This includes damage from a storm that tears off shingles or breaks a window. The policy usually pays to repair or replace the damaged parts of your home.

Damage to your personal property inside the home, such as furniture or electronics, is also typically covered if it was damaged by wind or hail. You should document the damage with photos and keep receipts for any temporary repairs you make. Your insurance company will need this information to process your claim.

Lightning damage to your home's electrical system, appliances, and electronics is often covered by homeowners insurance. This includes damage from a lightning strike that starts a fire or damages your electrical panel. The policy typically covers the cost to repair or replace the damaged items.

Power surges caused by lightning can also damage your electronics. Some policies cover this, but not all. You should check your policy to see if it includes surge damage. If not, you might consider adding a rider or endorsement to cover this specific risk. Document all damaged items with photos and receipts.

Your homeowners insurance policy is a contract that lists what is and is not covered. You should read it carefully to understand your coverage. Pay attention to the exclusions and limitations. If you have questions, contact your insurance company for clarification.

Policies vary, and your insurer decides what is covered. This is why it is important to review your policy before a storm hits. Consider adding flood insurance if you are in a flood-prone area. You might also need separate coverage for things like sewer backup or windstorm damage in some regions. Know what you have before you need it.