Heavy wind and rain can cause significant damage to your home, and it’s important to understand what your homeowners insurance covers. Not all plans are created equally, and some may have exclusions that warrant expanding your coverage. Below is a complete guide to ensure your property is fully protected.

Your Guide to Homeowners Insurance & Storm Damage

What’s Covered?

Most homeowners insurance plans cover hail, wind, and lightning damage. You may need to meet a deductible before receiving compensation for hail damage. Damage from high winds is also covered, though know that your insurance provider will look to see if negligence was involved. If you have a dying tree on your property and it falls in heavy winds, you may not receive coverage since the incident could have been avoided by removing the tree when recommended.

The most common form of lightning damage is fire resulting from the shock. This is covered by a standard insurance plan.

What Requires Special Coverage?

Floods that accompany severe storms require their own insurance policies. The same goes for earthquakes if they’re a threat in your area. It’s wise to ask your agent about the extent of your wind coverage. Damage resulting from tornado winds, which can be far more devastating than storm winds, may require additional coverage given the significant repair costs they can cause.

Make sure you also distinguish between dwelling and personal property coverage. Dwelling coverage only covers damage to your home; personal property insurance covers items inside your home damaged by wind, rain, and storm elements. You’ll want comprehensive coverage, so you aren’t left with costs to pay.

If you’re ready to upgrade your homeowner’s insurance coverage, turn to Barron Mutual Insurance Company. Since 1891, this company located in Barron, WI, has provided its clients with protection for when the unexpected occurs. Their team offers seasonal property insurance, home and rental insurance, commercial insurance, and more. Call (715) 537-5141 to speak with an agent and visit their website to explore their plans.