Is Storm Damage Covered by Insurance in Richardson?

9/2/2020 (Permalink)

If your property is damaged by a severe storm, contact the storm damage restoration experts at SERVPRO of Richardson.

Spring and summer mean increased storms and flooding in Richardson. Most homeowners insurance policies will cover storm damage. But the devil’s in the details. If your property has been hit and you’re wondering if storm damage covered by insurance, we hope to shed some light on this issue below. 

What’s Usually Covered in a Homeowners Storm Insurance Policy

Most homeowner's insurance policies will cover any storm damage that occurs to the house structure, other buildings (such as garages), and personal property. These damages are covered up to the amount outlined in the policy. 

Homeowner's insurance policies also cover loss of use and costs of personal liability to a neighbor’s property. Suppose a person is injured on your property from storm damage. In that case, your homeowner's insurance will cover part or all of the medical liability costs. 

But, some types of storm damage won’t be covered under a typical homeowner's insurance policy. These damages will need to be added to the policy. So what exactly isn’t covered? 

What’s Not Automatically Covered Under Storm Insurance

Homeowners have to do their homework when it comes to picking an insurance policy. Some storm damage types aren’t automatically covered and will need to be added to the initial policy. Contact your home insurance provider to get the exact coverage details for your policy. Your risk tolerance will most likely determine what you want to be added to your policy. In some cases, one or more of the following types of storm damage may not be covered by your policy:

• Tree damage
• Wind and flood damage
• Lightning damage

If you live in a storm or flooding-prone area or have many mature trees on your property, it might be prudent to add these types of coverage to your policy. Homeowners must check with their insurance company before storm season starts to see exactly what their policy covers. 

Certain types of storm damage can be incredibly costly to clean and repair out-of-pocket. Opting for additional coverage can protect your bank account and peace-of-mind. 

Storm Damage and Insurance in Richardson: The Bottom Line

Are you dealing with the aftermath of a storm or flood? At SERVPRO of Richardson, we’ve helped homeowners clean and restore their property with our Storm Damage Cleanup and Restoration Services for years. Best of all, we’ll handle the insurance paperwork for you. Contact us today for immediate help.