30 Apr April Showers Bring Storm Damage
About The Author
Meriaha Mitcheltree, CISR – Personal Risk Advisor
As a Personal Risk Advisor, Meriaha specializes in client service, generating new business opportunities while delivering personalized solutions to address our clients’ multifaceted challenges.
It’s that time of year again, when frequent rain and storms can strike at any moment. As a homeowner, you may know that April showers don’t always bring May flowers. This can be a nerve-racking season, especially if you live in an area prone to spring storms. Thankfully, most homeowners insurance policies cover damage caused by seasonal storms, except flooding and earthquakes. Reviewing your policy at least once a year is essential to know what your coverages are and what to expect if your home becomes damaged during spring weather.
What Storm Damage is Covered in Most Homeowners Insurances?
Homeowners’ insurance policies normally cover damages to dwellings, contents of your home, and any other structures included on your property. If a storm were to roll through, your policy would typically help cover the following types of storm damage:
- Water damage from falling rain or ice damage during the winter
- Damage from high winds
- Lightning strikes that cause power surges or fire damage
- Hail damage to siding or roof shingles
- Fallen trees that damage your dwelling
- Personal property damage resulting from external storm-related causes
Does Renters Insurance Cover Storm Damage?
If you are a renter that carries renters insurance, your risk of unexpected costs due to damaging storms may be covered as well. A typical renter’s policy in PA costs around $15 a month. Having this renter’s insurance covers any personal property damaged due to:
- Lightning strikes that cause power surges or fires
- Hail or high winds
- Water damage from falling rain
- Fallen trees during a storm
Like homeowners insurance, renters insurance does not cover damages due to earthquakes or flooding.
Why are Flooding and Earthquake Damages Excluded?
Damages due to flooding or earthquakes are excluded from being covered under homeowners and renters’ insurance. Homeowners can purchase earthquake coverage under their homeowner’s insurance, but flood coverage is a separate policy. Contact an agent to determine if you need to add these extra policies to your list of coverages.
If you haven’t had the time to review your current policy, now is the time! We have the knowledge and experience to help you weigh up your options and determine what is best for you and your family!
To find out more, contact one of our talented Risk Advisors today!
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