Usually, homeowners insurance policies cover storm damage caused by wind, water, ice, hail, lightning, and other hazardous weather conditions. However, to figure out whether or not the damage to your property is covered, you’ll need to check your specific policy.

Below, you can learn more about the types of damage that might be included in your storm damage coverage. If you feel your valid insurance claim was denied in bad faith, do not hesitate to reach out to a Texas storm damage attorney. We can help you make a strong claim and fight for whatever you may be owed.

What Types of Damages Are Included in Storm Damage Coverage?

Storm damage coverage can include a wide range of different causes, but it’s still important to check your policy for the details. In most cases, these policies will include damages caused by the following:

Wind Damage and Fallen Trees

Wind damage covers damages that occur during severe wind windstorms, including tornadoes and hurricanes. This also covers damage caused by trees knocked down by the wind. It’s important to note that some policies include a wind damage exclusion, meaning damage caused by wind is NOT covered.

Water Damage

Damage to your home caused directly by rain is usually covered by homeowners insurance policies, sometimes along with things like busted pipes. Keep in mind that water damage coverage does NOT include flooding caused by rain. The amount of compensation available for water damage will vary from policy to policy, often depending on the cause of the damage.

Ice Damage and Hail

Damage caused by ice and hail is also often covered in homeowners’ insurance policies. Unlike water damage, the compensation for ice and hail damage is usually set with a fixed cap. Ice damage might include things like damage caused by heavy snow and ice.

Lightning Damage and Power Surges

Lightning can be a seriously dangerous phenomenon. From fires to power surges, the damage caused by lightning strikes can be more severe than you might first expect. Usually, homeowners insurance will cover damage caused by lightning strikes to your home, possibly including the price of replacing shorted appliances and electronics.

What Types of Damages Aren’t Included in Storm Damage Coverage?

In general, homeowners insurance will not offer coverage for damage caused by what’s known as an “Act of God”. 

• Earthquakes — In most cases, a simple homeowner’s policy will not cover damages caused by an earthquake. However, there are special policies available in earthquake-prone areas that offer coverage for these sorts of events.

• Floods — Like earthquakes, floods are not usually covered by homeowner insurance policies. This includes flooding caused by rain storms. However, also like earthquakes, floods may be covered by special flood damage policies.

Getting Storm Damage Compensation With Help From a Storm Damage Insurance Attorney

Again, there’s no real way to know what is covered in your homeowner’s insurance policy without checking the policy itself. Unfortunately, that isn’t always that easy. Insurance policies can be incredibly complex, and that makes getting compensation all the more difficult.

If you need to make an insurance claim for storm damage, reach out to a storm damage attorney for help making a strong claim. If you already made a claim and are now struggling to get what you owe, a Texas bad faith insurance attorney can help you fight for what you may be owed.

Reach out to a storm damage attorney today to get help fighting for whatever insurance coverage you may be owed. You don’t have to go at it alone.