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Storm damage: Is it or is it not covered by homeowner’s insurance?

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Storm damage: Is it or is it not covered by homeowner’s insurance?

On Behalf of | May 2, 2022 | insurance claims |

When you purchased homeowner’s insurance, it was with the intention of having insurance in case your home was seriously damaged or destroyed. You wanted to be sure that you’d be able to rebuild if the worst were to occur.

When shopping for coverage, you choose to work with one insurance company because it offered insurance that would allegedly cover storm damage. Unfortunately, after a storm caused damage to your home, the insurance company tried to state that this wasn’t a covered event. Is that true, or is your insurance company just trying to avoid its obligations?

Storm damage isn’t always covered by insurance

Storm damage may not always be covered by insurance unless your policy specifically stated that it would. Additionally, even if some aspects of the damage are covered, not all of the damage may be. For example, if your home floods because of a severe thunderstorm but you don’t have flood damage coverage, you may not get the support you were expecting.

You should check your insurance documents to see what kind of damage is covered. Your policy should state if water damage, for example, is covered when it originates from inside your home or if it is covered when a storm has caused flooding. As an example, your policy may agree that the storm damage will be covered if it’s from the roof being damaged or a burst interior pipe, but it may not cover water damage from a nearby sewer getting backed up.

After a storm, you may have multiple kinds of damage to contend with

Storms cause all kinds of damage ranging from missing shingles from the wind to flooding from burst pipes. You’ll want to find out how each kinds of damage you’re dealing with originated and review your policy to see if you have coverage.

If you believe that you do have coverage but the insurance provider is saying you don’t, you should keep information about who you spoke to, copies of your insurance policy and records of any past conversations with insurance agents to help support your claim. IF someone told you you’d have this coverage in the past and you were misled or if the agent is simply wrong, you can still push forward and fight to get the coverage you deserve.