How Does Insurance Define Storm Damage & Storm Insurance?

10/29/2021 (Permalink)

Storm damage is the destructive result of weather-related events. It can include damage to the exterior of your home, such as your roof shingles blowing off after a windstorm, or the siding of your home being dented from hail. Storm damage may even affect the interior of your home, like power surge damage from a lightning strike. Storm insurance is part of your homeowners policy that can help cover the cost — after your deductible — to repair or replace the damaged area.

What Is Storm Damage Insurance?

Storm damage insurance isn’t its own policy — it’s part of your homeowners policy. It’s designed to protect your finances from the expensive costs of damage to your home after a storm-related event. If your home faces damage after a storm, you can file a claim with your insurance company and they’ll send an adjuster to assess the damage to your home. After you pay your deductible, your insurance company will help cover the remaining cost up to your coverage limits.

https://www.amfam.com/what-does-insurance-cover/storm

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