How Do I Know If Storm Damage Is Covered by Insurance?

Start by reading your homeowner's insurance policy. Look for a section that lists covered perils, such as wind, hail, lightning, or snow. If your policy is named perils, only the events listed are covered. If it is open perils, everything except exclusions is covered.

Pay close attention to the exclusions. Many policies exclude flood damage from rising water, which is different from water that enters through a storm-damaged roof. Also check for separate deductibles for wind or hail, as those can be higher than your standard deductible.

• Find the declarations page for coverage limits.
• Review the perils section for storm events.
• Look for a flood exclusion clause.
• Check for a separate wind or hail deductible.
• Note the time limit for filing a claim.

Storm coverage depends on the cause. Wind damage to your roof or siding is usually covered under a standard policy. Hail damage to a car or home is often covered too. But water that rises from a river or creek during a storm is typically flood damage and may not be covered without a separate flood policy.

Water that enters through a hole in your roof made by wind is usually treated as wind-driven rain, which is often covered. However, if the storm caused a sewer backup, that might require an add-on endorsement. Policies vary, and your insurer decides what is covered.

• Wind-driven rain through a roof hole.
• Hail damage to siding or a roof.
• Lightning strikes that start a fire.
• Flooding from rising water.
• Sewer backup from heavy rain.
• Snow collapse on a porch or deck.

After you file your claim, the pros may be called in to assess the damage and begin restoration. A professional assessment can identify hidden issues like structural weakening or mold growth. This information is useful for your claim and for planning repairs.

The pros can also help with water damage cleanup and documentation. They can dry out your home, remove soaked drywall, and prevent mold. Their detailed notes and photos can support your claim. Ask for a written report of their findings and keep it with your other documents.