What Type Of Weather Does Home Insurance Cover?

What Type Of Weather Does Home Insurance Cover?

Winter rain storms, flooding, and other types of weather may sometimes cause significant damage to your property. As weather patterns continue to shift and conditions become more harsh, insurance losses due to changes in weather have increased. If you are living in San Diego, California, and wondering what type of weather damages your home insurance policy covers, Windfall Insurance Services Inc. can help. Continue reading to learn more about the types of weather that homeowners insurance typically protects against.

What Weather Does Homeowners Insurance Usually Cover?

The type of weather a home insurance policy covers will depend on the type of policy that has been purchased. You will want to speak with us to know exactly what is covered and what is excluded from your specific policy. Most homeowners insurance typically covers against water and ice damage, power surges and lightning strikes, and hail, wind, and fallen trees. It is important to note that coverage for water damage does vary and depends on the cause of the water. For instance, a policy will more than likely protect you in the event of a frozen pipe bursting, however, it may not include coverage for water damage caused by flooding.

If lightning strikes your home or another building on your property and causes a fire or smoke damage, or if a strike causes a power surge resulting in electronics and appliances being damaged, a typical homeowners insurance policy will cover those damages. Additionally, if strong storm winds or hail damage the siding or the roof of your home, or if they cause a tree to fall and damage your home, you will likely be protected by your homeowners insurance policy. Homeowners insurance also generally covers liability due to bad weather conditions in the event someone becomes injured on your property on something such as an icy pathway. It is important to make any weather-related insurance claims in a timely manner, and homeowners insurance does not cover issues that gradually happen over time, such as water leaks, etc.

What Is Not Covered By Homeowners Insurance?

Homeowners insurance generally does not cover natural disasters such as earthquakes and flooding, no matter if it is caused by an overflowing body of water or a severe rain storm. Fortunately, there are other supplemental insurance policies that can be bought separately to make sure that you have peace of mind and are fully covered in the event of an earthquake or a flood.

Protecting Yourself Against Extreme Weather

Although it is impossible to predict the weather, you can still make sure that you and your most valuable possessions are covered in the event of an inclement storm. Contact Windfall Insurance Services Inc. in San Diego, California today to make sure you have the insurance coverage you need.