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Fire & Water - Cleanup & Restoration

Storm Damage on your insurance coverage

3/18/2022 (Permalink)

Reviewing Homeowner’s Insurance Policy

Your insurance policy should be copied and properly stored in case of a major storm.  Additionally, it should be thoroughly reviewed until you have an understanding of what events are covered, the amount of coverage, and steps that are required to submit an insurance claim after storm damage.  Be aware that your homeowner’s insurance policy may exclude certain types of storm and water damage. 

Flood Damage

Standard homeowner’s insurance policies do not include coverage for flood damage.  It is important to note that flooding can occur almost anywhere, regardless of whether your home is in a high-risk flood zone.  The purchase of additional flood damage coverage is recommended.

Wind and Rain Damage

While most policies cover damage caused by wind, they do not typically coverage water damage resulting from rain (including wind-driven rain).

More Insurance Tips:

  • Ensure that coverage is sufficient for your home’s structure, contents and extra living expenses, if needed.
  • Take photos of your home before and after a storm. This documentation will be key when submitting an insurance claim based on storm damage.
  • Be aware of scam repair companies. Following a major storm, as repair companies offer their services, companies that are not legitimate prey upon homeowners who neglect to do their research.

Be sure to report all claims and damage to your insurance company.  Your insurance agent will assist you in determining coverage and ways to mitigate storm damage, such as contacting a storm damage restoration company in Des Moines. 

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