Does Home Insurance Pay For Storm-Related Damage To Your House?

​Your home is more than just a place of safety for you and your family; it symbolizes all your efforts, successes, and financial investments, so you must secure it with adequate insurance.
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If a natural or unanticipated calamity befalls your home, such as a fire, flood, earthquake, volcanic eruption, and especially a storm, having property insurance may assist you in minimizing the financial impact of the loss. You can relax and enjoy the simple things in life when you know your home and valuables are adequately insured. 

Do Homeowners' Insurance Policies Cover Storms?
Yes, it can be covered by your home insurance. If your home is damaged by extreme weather, you might be qualified to file a claim. Your ability to do so is determined by your insurance and the risks covered or excluded by it. But if the damage is covered by insurance, you'll get the money you need to fix your house and move on with your life.

How Can a Storm Damage Your Home?
High winds can cause significant damage or even the destruction of homes during severe thunderstorms and hurricanes. Storms can harm a home in several ways:

• Strong winds rip off roof tiles.
• Lightning strikes cause property damage.
• Loss of structure due to tree falls and other debris.
• Water damage is caused by excessive rainfall.

Storm Damage Types That Home Insurance Might Cover
Your insurance coverage would need to compensate you for any severe losses incurred by your property due to a storm. The most frequent forms of weather-related destruction include:

• Damage caused by hail
• Cracks in the roof
• Damage caused by water
• the disruption caused by the wind
• Drainage system backup
• Pipes froze over
• Trees that have fallen
• Because of ice dams,
• Power outage
• Flooding

When damage extends beyond property lines, the question of who pays for the necessary repairs sometimes arises. Both you and your neighbor should file claims with your insurance providers if a fallen tree causes damage to your home.

Conclusion
The risks for your house will increase as weather patterns shift. Stronger storms or temperature swings may cause severe damage to your home. Find out what kinds of insurance are offered, especially if you need more than your present policy offers. Get in touch with Jacobs Insurance Solutions to make the required adjustments.

At Jacobs Insurance Solutions, we put our clients first by offering them policies that they can afford. 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!