When you take out a homeowner’s insurance policy, you’re probably hoping you never have to use it. But the reality is that natural disasters can strike at any time, so it’s a good idea to know what your insurance policy covers and whether storm damage is included.
While every policy is different, here’s some general information about which types of storm damage are typically covered by homeowner’s insurance.
Tornados and other natural disasters that are considered an “act of God” are typically covered, at least in part, by your homeowner’s insurance policy. A tornado may also cause wind or hail damage, which are also generally covered.
[pullquote]Because a tornado damage claim can be so complex, it may be in your best interest to work with a public claims adjuster to ensure that the process goes as smoothly and quickly as possible.[/pullquote]
Many victims of Hurricane Irma are still in the process of cleaning up and rebuilding after the storm. While hurricane damage is typically covered by insurance, there may be specific types of damage that are not.
For instance, not all policies cover water damage or flooding, so it’s important to contact your insurance company as soon as possible to determine what type of damages your homeowner’s insurance covers.
Most homeowner’s insurance policies should cover fire or smoke damage caused by natural disasters such as lightning strikes or wildfires. There may be limitations, though, in terms of what structural damage your policy will cover in the event of a fire.
In most cases, working with a public adjuster will yield a larger fire damage settlement than when using your insurance company’s private adjuster.
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