If you live in an area prone to storms, you may wonder if your home insurance policy will cover any damage. The short answer is: it depends. Each policy is different, and specific exclusions may vary depending on the storm that hits your area.
In this blog post, we’ll discuss the types of damage that are typically covered by home insurance policies, as well as those that are not.
Damage from Wind and Hail
Home insurance policies typically cover damage from wind and hail. This includes damage to your roof, siding, windows, and gutters. If a tree falls on your house, that is also usually covered.
However, there are some exceptions. For example, your policy may have a wind damage exclusion if you live in an area prone to hurricanes or other severe storms. This means that any damage caused by wind, including hurricane-force winds, would not be covered.
Additionally, some policies exclude coverage for certain types of roofing materials. For example, if you have a tile roof, your policy may exclude coverage for damage caused by hail. In this case, you would need to purchase a separate hail insurance policy from a professional company such as Pizano Insurance in Wayzata, MN to be protected.
Another common exclusion is flooding. This is a separate type of insurance you would need to purchase if you want coverage for flood damage. Even if your policy does not exclude flooding, there is often a very low limit for this type of damage. Furthermore, most policies have a waiting period before they start covering flood damage, so it’s essential to purchase this coverage well before any potential storms.
If you’re not sure what your home insurance policy in Wayzata, MN covers, the best thing to do is give Pizano Insurance a call. We can help you understand your coverage and ensure you have the protection you need.