Southern California homeowners are often uncertain about storm damage coverage. Let's clear things up.
Rain and Wind Damage: If you've encountered a leak or tree damage from rain or wind, your insurance likely covers it.
Flood Damage: This is a different story. Most policies don't cover flooding unless you specifically have flood insurance.
Pro Tip: Regularly check with your insurance agent to ensure your coverage aligns with current market changes.
Home Insurance and Weather-Related Damage:
Hail: Typically covered.
Wind (including tornadoes and hurricanes): Check your policy's details.
Wildfires: Often covered, but it can vary based on location.
Lightning: Usually covered.
What's Typically NOT Covered:
Floods: You'll need specialized flood insurance.
Earthquakes: In some states, you might need a separate policy.
Hurricane and Windstorm Deductibles: These may differ from standard deductibles, so review your policy.
How Insurance Covers Severe Weather Damage:
Wind and Hail Damage: Generally covered, but always check the specifics of your policy.
Water or Ice Damage: Covered inside your home, but yard flooding requires separate flood insurance.
Lightning Strike: Covered under most standard policies.
Pro Tip: Comprehensive coverage on your vehicle's insurance can cover weather-related damage to cars, motorcycles, RVs, or boats.
Tips for Protecting Your Property:
Check Your Policy: Understand your coverage limits and exclusions.
Be Proactive: Don't delay purchasing necessary protection.
Choose the Right Deductible: Be prepared for the deductible costs; review your options carefully.
Filing a Weather-Related Claim:
If you experience home damage due to severe weather, contact your insurer immediately. Document the damage and consider getting a professional quote if it exceeds your deductible.