Does Home Insurance Cover Disaster Damage?

​Typical home insurance coverage shields you against unforeseen events that could ruin your house. However, policies differ based on the neighborhood, coverage, and house. Check out these disasters that house insurance covers for your peace of mind.

Disasters Covered By Home Insurance

1. Tornadoes
   Tornadoes can damage your home and personal belongings due to severe winds, flying debris, and fallen trees. Home insurance should protect you from these damages. If the wind has damaged your roof and windows, the insurance should cover you unless these damages are excluded from your chosen policy. 
   
   On the other hand, most insurance companies require areas prone to tornadoes to have separate disaster deductibles.
   
   
2. Fire
   The coverage includes the destruction and removal of damaged items and personal possessions. However, expensive objects like jewelry and fine art may only be partially or not covered If they are not scheduled property. 
   
   There are no coverage restrictions except for your policy limit, geographic area, and the case of fire (intentional or not). 
   
   
3. Lightning
   Your home insurance coverage should cover the damage if lightning strikes and damages your home wiring and leads to your roof bursting into flames which strikes a branch that falls onto your roof or creates a power surge that destroys your appliances.
   
   
4. Explosion
   Home insurance covers numerous explosions, including those brought on by earthquakes. However, most insurance policies do not cover outbreaks caused by nuclear, intentional, and criminal acts. 
   
   
5. Volcanoes
   Damages due to volcanic explosions, such as lava flow, dust, and ashes, are covered by home insurance. The smoke and fire caused by volcanic eruptions are also covered, but damages from quakes during outbreaks are not covered.

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Home Insurance: Your Protection Against Disasters
These are just a few disasters that most insurance companies cover. Some of these are offered by insurance companies, while others are not. When buying home insurance, it’s important to ask about the list of disasters they could provide coverage for to make an informed decision about the company, the policy, and the level of protection you need.

At Jacobs Insurance Solutions, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (817) 485-8989. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!