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  • Writer's pictureJosh Taylor

Does Your Insurance Plan Cover Flood and Storm Damage?

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:

  1. Hail: Typically covered.

  2. Wind (including tornadoes and hurricanes): Check your policy's details.

  3. Wildfires: Often covered, but it can vary based on location.

  4. Lightning: Usually covered.

What's Typically NOT Covered:

  1. Floods: You'll need specialized flood insurance.

  2. Earthquakes: In some states, you might need a separate policy.

  3. 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.


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