When to Check On Your Home Insurance Coverage

Severe storms have increased in recent years in and around Wayne, PA, leaving many homeowners wondering what damage their homeowner’s insurance may cover. Standard homeowner’s insurance pays for a long list of storm risks. However, The Sirover Agency LLC recommends carefully reading your policy to determine exclusions.

What is Considered Storm Damage?

Storm damage can range from a single broken window to roofs and other structures fully leveled by tornadoes or straight-line winds. Damage usually occurs during an event such as a tornado or other types of windstorms, hailstorms, weakening tropical systems, or severe thunderstorms. This coverage includes wind damage and fires caused by lightning strikes. In winter, hefty snowfall can stress roofs and other structures, causing them to collapse or form ice dams, leading to leaks and other structural compromises. The extent of storm damage depends on the severity of the event. Storms can also cause uprooted trees and fallen branches that land on houses. In addition, storms can interrupt electrical power. Pennsylvania allows insurers to cover food spoilage in refrigerators and freezers if the power remains out for several days. However, you should read your policy to determine if you have this benefit.

Some Water Damage is Covered

If your home sustains water damage, the method of entry determines whether your homeowner’s insurance will pick up the damage tab. If the damage occurred because of broken windows, a ripped-off roof, or destroyed walls, a standard policy will cover it. Floods caused by excessive rain are not covered. Buy a flood insurance policy to protect your home, especially if you are in a floodplain. Consider water and sewer backup clauses to protect your valuables from basement floods caused by power outages.

Let the professionals at the Sirover Agency LLC, serving Wayne, PA, help you determine storm damage coverage. Contact us today for an appointment.