Insurance is one thing that is helpful in many ways. Many types of insurance can help you in certain situations. For example, talking about storm damage, there is homeowner insurance that you might have.
Many people have a question about what things are covered in storm damage. Well, it all depends on the insurance policy you have opted for. Therefore, reading and understanding your insurance contract before signing it is essential.
Some premium insurances can cover many additional things; there are some basic things that insurance can cover as storm damage. Keep reading to know more.
Things Covered By Insurance In Storm Damage
Here are the basic things that insurance covers as storm damage.
- Roof Replacement Costs
- Frozen pipes damage
- Water entered through storm-created openings
- Wind damage
- Damage was done to the exterior of your house due to hail
- Fallen trees
These are the things that are mostly covered by insurance. However, there may be some things additionally covered. But there are some questions people have regarding insurance after storm damage.
What To Do After Strom Damage?
After the storm is passed and damage is done, there are some things that you have to do at any cost.
1. Contact the Restoration Company
As soon as things get normal and the storm has passed, don’t forget to contact the best, trusted damage restoration company in your city. The damage restoration company will analyze the damage with you and start working on it.
Make sure only to contact a highly reliable damage restoration company.
2. Contact Your Insurance Company
Don’t forget to tell your insurance company that damage has been done, and you will make a claim. But before this, ensure that the damage is done within the criteria covered by insurance.
Or someone from the insurance company can tell you if the damage will be covered or not. No matter what the situation is, always keep the insurance company in the loop.
What Are Things Not Mainly Covered In Insurance?
Some types of damages are mainly not covered by insurance. It would be best to know these damages so you could know if insurance will help you or not. Here are the basic damages that may not be covered in your insurance policy.
- Water damage by flooding
- Water damage by seeps from walls or windows
- Damage by any artificial source
- Damage is done intentionally
These are just some basic damages. However, every insurance company has something unique to offer. Therefore, it would be best to understand the insurance you are opting for. Always choose the best insurance because you never know when a storm may cause damage.
Final Words
Here is a complete guide to help you understand the relationship between insurance and storm damage. Read this guide thoroughly to create a strong understanding.
Even if the damage isn’t covered by insurance, you will still require a damage restoration company to bring things back to normal. Therefore, always know the company you will contact right away.