Damage Storms Can Cause
Major storms can be frightening and dangerous, and you should put safety first. If your region has seen a lot of damage, be careful. If you suspect structural damage or more flooding, stay out until a professional says it's safe. Spending a few nights away is a small thing compared to your health.
Once the disaster has passed, it's vital to assess the impact and start cleaning up. Below, read more about the damage different kinds of storms can cause and how you can protect your property value in different circumstances.
Insurance Coverage
The most severe damage from almost all storms is covered under home and business insurance policies, but the specifics are different. Your financial responsibility depends on your premiums and deductibles, the structure, the extent of your damage, neighborhood property values and much more.
Most severe storm damage events are considered acts of God, and that means that your insurer can't single you out. However, not filing claims early can make you ineligible for coverage, and your whole neighborhood can see rate increases following major weather events. Don't delay and always file claims as quickly as possible so you don't end up with no payout but higher premiums.
Storm Damage Scenarios
- Damage from Flooding: Water from floods can get into your building's foundation, ruin framing and finish work, lead to mold growth and much more.
- Tornado and Tropical Storm Damage: Circular winds can cause serious damage to all parts of your property, like catastrophic damage to landscaping, siding and windows.
- Wind-related Property Damage: This can rip off siding, shingles and even whole roofs, destroy glass, destroy trees and landscaping and power grids and more.
- Hail Storm Damage: Severe hail can damage siding and shingles, causing hidden leaks and compounding damage.
- Winter Storm Damage: Heavy snow can collapse roofs, break trees and electric systems, and much more.
Hire a Trusted Contractor
It's an absolute must to repair the damage as quickly as possible, but don't put yourself in harm's way. Before you start making repairs, get your insurer and a contractor on board. Call us for specifics.
