Storms can devastate a home in minutes, but not all storm damage is automatically covered by your homeowners insurance policy. Coverage depends on the type of storm, how the damage occurred, and what exclusions apply. Understanding what your policy includes before a storm hits can save you thousands of dollars and a great deal of frustration at claim time.
A standard homeowners policy covers damage caused by wind, hail, lightning, and the weight of ice or snow. If a windstorm tears off your roof, a hailstorm dents your siding, or lightning strikes and starts a fire, your dwelling coverage (Coverage A) typically pays to repair or rebuild. Detached structures like garages and fences are usually covered under Coverage B. Damaged or destroyed personal property is covered under Coverage C, and if your home becomes uninhabitable, Coverage D pays for additional living expenses while repairs are made.
Flood damage is the most important exclusion to understand. Even if a hurricane or heavy rainstorm causes the flooding, rising water is not covered by a standard homeowners policy. You need a separate flood insurance policy through the NFIP or a private insurer. Other common exclusions include:
In coastal and storm-prone states, many policies apply a separate wind or hurricane deductible that is higher than your standard deductible. These are often calculated as a percentage of your home's insured value—typically 1% to 5%—rather than a flat dollar amount. On a $400,000 home, a 2% hurricane deductible means you pay the first $8,000 out of pocket before coverage kicks in. Review your declarations page carefully so this number does not surprise you after a storm.
Document everything before cleanup begins. Photograph and video all damage from multiple angles and make a detailed inventory of damaged property. Contact your insurer promptly—most policies require timely notice of loss. Make only temporary repairs necessary to prevent further damage, keep all receipts, and do not sign over your claim rights to a contractor before your insurer inspects the property. A public adjuster can help negotiate complex or underpaid claims.
Storm coverage gaps—especially around flood exclusions, high wind deductibles, and roof settlement terms—are where policyholders get hurt most. A Truscott policy checkup reviews your current homeowners policy for these vulnerabilities and helps you close the gaps before the next storm season arrives. Reach out to make sure your coverage is built to handle whatever the weather brings.
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