Does Homeowners Insurance Cover Storm Damage?

California is prone to heavy rains, strong winds and storms that can cause significant damage. As homeowners, it’s essential to understand how your homeowners insurance responds to storm-related events and where gaps may exist.

What Homeowners Insurance Typically Covers

Standard homeowners insurance policies may cover a range of storm-related damage, such as:

• Wind damage—If strong winds from a storm damage your roof, siding or windows, your policy may help cover repairs.
• Hail—Damage caused by hail is often included, such as dents to your roof or broken windows.
• Rain—Water damage may be covered if rain enters your home due to storm damage (like a broken window or roof).
• Fallen trees—If a tree falls on your home during a storm, your policy may help pay for repairs and debris removal.

Common Exclusions to Be Aware Of

Standard homeowners insurance may cover many types of storm damage, but essential exclusions exist. Many policies exclude coverage for damage caused by:

• Floods
• Earth movements (mudslides, landslides and earthquakes)
• Wear and tear
• Negligence
• Sewer or drain backup
• Mold, fungus or wet rot

Preventive Steps to Minimize Storm Damage

Take these steps before a storm to help reduce the risk of damage to your home:

1. Inspect your roof for damaged or missing shingles and repair as needed.
2. Remove leaves and debris from gutters and downspouts so water can drain and flow away from your home.
3. Cut back branches that hang over your house or power lines.
4. Bring patio furniture, grills and other loose items inside or anchor them securely.
5. Consider installing storm shutters or using plywood to cover windows if a severe storm is forecast.
6. Seal gaps and cracks where water could enter.

Get a Quote

Lolo's Insurance can help homeowners in and around Van Nuys, CA secure appropriate home policies. Contact us today to speak to one of our agents or request an instant quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.