Does home insurance cover storm damage?
Home insurance typically covers storm damage caused by wind, hail, lightning, and the weight of snow or ice. However, standard policies generally exclude flood damage, and some insurers require additional coverage for certain storm-related losses. Depending on where you live, you may also face a separate deductible for hurricane or windstorm damage. Home insurance generally covers storm damage caused by wind, hail, lightning, and other covered perils, but flooding and sewer backups typically require separate coverage. Understanding what your policy covers—and excludes—can help you avoid unexpected repair costs after severe weather. Read on to learn which types of storm damage insurance typically covers, when additional protection may be necessary, and what to expect when filing a storm damage insurance claim. Standard homeowners insurance typically covers storm damage caused by wind…