Legal Lens- What Your Homeowners Insurance Really Covers After a Storm

SPONSORED – Attorney Andrea McNairy of Brown & Crouppen Law Firm explains that standard homeowners insurance policies typically cover storm-related damage caused by hail, wind, lightning, sleet, ice, and snow. Hail and wind damage—especially to roofs and home structures—are among the most common claims, though some policies may include exclusions or separate deductibles for wind and hail damage. Lightning damage is also generally covered.

However, standard policies usually do not cover flood or earthquake damage. Flood insurance and earthquake coverage must typically be purchased separately. Homeowners should carefully review their policy to understand coverage limits, exclusions, and deductibles. In the event of damage, it’s important to document everything with photos or video, contact your insurer promptly, and take steps to prevent further damage, since coverage cannot be added after a loss occurs.

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