Does Homeowners Insurance Cover Storm Damage?

by | Jan 22, 2024 | Restoration, Roofing

Homeowners insurance is an essential protection to have, and you should also understand how it works in cases of storm damage. No one’s home is immune to storms, so it’s time to ask yourself, “Does homeowners insurance cover storm damage?”

Yes, the typical homeowners’ insurance covers storm damage, but the coverage is limited. It covers damage caused by hail, lightning, and effects of high wind, like healthy trees falling and flying debris. It is a partial coverage; you may need an extra insurance policy for damage resulting from floods and earthquakes. 

Let’s go into what storm damage means in the context of insurance and what it generally covers. We’ll also discuss the factors that may affect homeowners’ coverage for storm damage.

Definition of Storm Damage in Homeowners Insurance

Storm damage refers to any damage caused to a property due to severe weather conditions such as:

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  • Hurricanes.
  • Tornadoes.
  • Windstorms.
  • Hailstorms.
  • Heavy rain or snow. 

Storm damage can be mild or intense; you may suffer minor or catastrophic losses depending on the storm’s intensity. 

Home insurance companies always specify which weather events are covered under their policies. Most insurers in Kentucky and the rest of the country only cover damages caused by “named perils,” which means specific events listed in the policy.

General Coverage for Storm Damage

In general, homeowners insurance policies cover storm damage to your house and other structures on your property, such as sheds, garages, fences, and swimming pools. It also covers personal belongings damaged or destroyed by severe weather conditions, like furniture and electronics.

However, the coverage for storm damage may vary depending on several factors, like your policy type, location, and the storm’s severity. For instance, you most likely need to purchase additional coverage specifically for floods or earthquakes.

Specifics of Roof Damage Coverage

A. Does Homeowners Insurance Cover Roof Damage Caused by Storms?

Yes, homeowners insurance typically covers roof damage caused by storms. Your policy will likely protect your roof from destruction unless it’s explicitly excluded in the terms and conditions outlined in it.

B. Common Types of Roof Damage Covered

Some typical types of roof damage covered by homeowners insurance include:

  • Hail damage.
  • Wind damage.
  • Ice or snow accumulation causing structural issues.

However, it’s essential to note that some policies may limit coverage for older roofs or roofs made with certain materials. It’s always best to review your policy carefully to understand your coverage fully.

C. Key Considerations and Limitations

When it comes to roof damage coverage, there are a few things homeowners should keep in mind:

  • Coverage may only apply if the damage was caused by a sudden and unexpected storm, not poor maintenance.
  • Your policy may limit how much it will cover for roof damage, so review your coverage and consider purchasing additional coverage if needed.

Does Homeowners Insurance Cover Storm Damage Tree Removal

Roofing insurance claims for storm damage may also include tree removal and repairs. Homeowners insurance typically covers removing the tree from your property and repairing any damage.

Conditions for Coverage and Exclusions

All insurance policies have specific conditions for coverage and exclusions. It’s essential to review these carefully to understand what may or may not be covered in your policy.

Some common conditions for coverage related to tree removal and storm damage include:

  • The tree must have caused damage to your home or other insured structures, such as garages, sheds, or fences.
  • The tree must have fallen because of sudden, natural events like lightning strikes or strong winds, not because the tree was old and neglected.
  • Some policies may limit coverage for tree removal to only certain types of trees or specific areas of your property, so review your policy carefully.

On the other hand, some common exclusions for tree removal and storm damage repairs can include:

  • Damage is caused by a tree that is not on your property, such as one that falls from a neighbor’s yard.
  • Damage to other structures on your property that are not specifically covered under your policy, such as driveways or walkways.

Importance of Proper Documentation for Storm Damage Insurance Claims

Accurate and complete documentation will be useful when submitting a claim for tree removal and storm damage reimbursement. Take photos of the fallen tree and any resulting damage, and keep records of any expenses you incur during the removal and repair process.

It’s also essential to report the incident to your insurance company immediately. Failure to do so may result in a denial of coverage or delays in the claims process.

Emergency Services and Immediate Repairs after Storm Damage

Storms jeopardize the safety and comfort of our homes and communities, causing extensive damage that can be costly to repair. When a storm hits, the top priority is always to secure safety for you and your loved ones. Once the storm has passed and you have confirmed everyone is okay, it’s time to confront the damage left behind.

With storm damage, every minute counts; the longer you wait, the more expensive and complicated repairs can become. 

Moreover, your home may be inhabitable or lack necessities like electricity, water, and a secure roof. It may also be unsafe to live in due to structural damage, fallen debris, trees, or potential mold growth.

In such cases, contacting emergency services and beginning immediate repairs to mitigate further damage is essential. Calling for emergency services should be your first course of action in a storm. 

Storm damage emergency services include professionals trained to provide immediate assistance, such as:

  • Tree removal services.
  • Roof repair and tarping services.
  • Water extraction and restoration services.
  • Electrical and plumbing repairs.
  • House structure evaluation and reinforcement.

Getting in touch with storm damage emergency services is to prevent the losses from worsening and make your home hospitable again. 

They may also help you assess the extent of the damage and provide documentation for insurance purposes.

Damage Inspection and Evaluation for Storm Damage Insurance Claims

After the initial emergency repairs, thoroughly assessing the property damage incurred is vital. This step is crucial for filing a storm damage insurance claim and receiving proper compensation.

The Role of Professionals in Damage Inspection

Professionals with experience handling storm damage are the best for conducting damage assessments for insurance claims. They have the knowledge, tools, and skills to pinpoint issues your untrained eye may miss. Some common areas that require inspection include:

  • Roof damage includes missing shingles or damaged roofing structures.
  • Water damage to walls, ceilings, and floors.
  • Structural damage to the foundation, walls, and windows.
  • Electrical and plumbing systems.

A comprehensive evaluation of all these areas will ensure no additional costs are left unaccounted for in your insurance claim.

Impact of Comprehensive Evaluations on Insurance Claims

Insurance companies rely heavily on assessing and evaluating damages to determine the coverage amount for a storm damage claim. The more detailed and extensive your evaluation is, the better your chances of getting fair compensation.

You stand better chances if you have a professional restoration company like Jacob’s Ladder. Our team will provide detailed documentation of the damages and work with your insurance company to ensure you receive fair compensation for all necessary repairs.

The typical homeowners insurance claims process for storm damage insurance may be complex and stressful, but following these steps will help ease the burden:

  1. Immediately inform your insurer after the storm to report the damages.
  2. Document all damages with photographs and videos before any repairs are made.
  3. Document all the communications with your insurer, including dates and times.
  4. Avoid commissioning permanent repairs before your insurance adjuster evaluates the damages.
  5. Be prepared to negotiate if you feel that the initial compensation offered by your insurance company is not enough.

Tips for Property Owners

Being proactive and taking the necessary measures to enhance your storm damage insurance coverage can save you time, money, and stress in the long run. Here are some tips for property owners:

  • Review your insurance policy regularly and ensure it covers all potential damages caused by storms.
  • Consider topping up your home coverage with additional packages like flood or earthquake insurance.
  • Keep an updated inventory of your belongings and their value for easier claim processing.

Partnering with a reliable roofing and restoration company like Jacob’s Ladder can also help property owners in the event of a storm. Regular maintenance and inspections by professionals can prevent potential issues before they become major problems. It protects your property and ensures you have proper documentation of its condition before a storm hits.

By being proactive and working with trusted professionals, property owners can minimize the stress and financial burden of dealing with storm damage. Don’t wait until it’s too late; take these steps now to protect your investment.

Final Thoughts on Storm Damage Insurance Claims

Storm damage may be inevitable, but you can handle it in a way that minimizes losses and encourages your insurer to reimburse your storm damage repair costs. All you need is the right knowledge and mindset to make the difference. 

Remember the following key points when handling insurance claims for storm damages: document everything, communicate clearly and early, and seek professional help if needed.

Don’t settle for less than what you deserve; always stay informed about your insurance coverage. Also, find out if renters insurance covers mold damage if you are renting a property.

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Jacob's Ladder Roofing and Restoration Rated 5.0 out of 5 stars based on 10 customer reviews

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Professional service




Review of Jacob's Ladder Roofing and Restoration
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Professional removal and installed new roof repairing rotten places in three places.


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Respectful, hardworking, and very meticulous. We highly recommend this company!




Review of Jacob's Ladder Roofing and Restoration
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After a horrible storm back on Feb 9, 2023, we like so many others watched pieces of our roof being peeled off like it was raining shingles!I placed a call to Jacob's Ladder. In no time a very knowledgeable lady climbs up on our very steep roof to access the damage. She was very helpful and explained the totally process and what we needed to do and what they would be doing. They patched several huge areas, because of the colder weather the replacement of the entire roof needed a bit warmer temperatures for the shingles to stick well. It took several weeks in order for our job to get scheduled at the right time. It took 4 days to complete because of the size of the job. They were respectful and hardworking. They cleaned up around the property and were very meticulous! The owners were here at all times. We highly recommend this company!


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Highly recommend Jacob's Ladder




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LancasterKY40444 37.6225-84.5775

Professional, friendly, show up on time, great communication & worked with us with our budget. Roof on the house & separate garage looks wonderful, most importantly no leaks! Highly recommend Jacob's Ladder.


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On time and quick!




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As usual on time and work was completed quickly!


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The roof looks amazing




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LancasterKY40444 37.61-84.57

Everybody was professional and so helpful throughout the whole process of getting my roof repaired from the multiple wind storms we’ve had recently. And the roof looks amazing!


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Leaky roof in heavy rain




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LancasterKY40444 37.62-84.5775

My rubber roof was 10+ years old and started leaking in the heavy rain. I found the gutters on the ground and I needed dry-out assistance. Jacob's Ladder to the rescue!


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Missing Shingles




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LancasterKY40444 37.61-84.57

Noticed we were missing some shingles and found them laying in the yard. I was glad to get Jacob's Ladder out to see if I had a potential claim before we started having issues.


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Chimney Removal




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AMAZING COMPANY




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Hugh at Jacobs ladder does amazing work and he always find a way to help his customers! He goes above and beyond your average roofer and GETS THE JOB DONE! Highly recommend Jacobs Ladder! Our roof is still holding strong!

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