As the flowers bloom and the weather warms up, spring doesn’t just bring pollen and allergy woes – it also delivers a fair share of unpredictable storms. High winds, hail, lightning, and heavy rain can make dramatic appearances this time of year. While seasonal storms can be mesmerizing from the safety of your window, they can also wreak havoc on your home and property.
But don’t stress – if your homeowners insurance policy is up to date and well-structured, you can weather the wildest spring storms with peace of mind.
What is Typically Covered
Wind and Hail Damage – Most standard homeowners policies cover damage caused by strong winds and hail, including roof repairs, broken windows, and siding. However, be aware that some policies include a separate wind/hail deductible or may exclude coverage entirely in high-risk areas. If you selected a higher wind/hail deductible to save on premiums, you’ll want to be prepared for that out-of-pocket cost if a claim arises.
Lightning Strikes – If lightning strikes your home and causes a fire or structural damage, you’re likely covered for repairs or replacement. This generally also includes damage to electronics or appliances caused by power surges resulting from the strike.
Fallen Trees – If a tree falls and damages your home, fence, or other covered structure, the damage is typically covered under your homeowner’s insurance policy – regardless of whether the tree was on your property or a neighbor’s. However, the neighbor’s insurance may only pay if they were aware the tree was dying or posed a clear risk.
If the tree falls and causes no damage, removal is usually only covered if it blocks a driveway or a handicap access ramp – and even then, most insurers will only pay to remove it from the blocked area. You’re usually responsible for hauling away the rest.
Important note: If a tree falls on your vehicle, this event is not covered under your homeowners policy. You’ll need comprehensive coverage on your auto insurance to be protected.
What’s NOT Covered
Flooding – Standard homeowners insurance does not cover flood damage resulting from water rising from the ground, such as heavy rain accumulation, river overflow, or storm surge. To be protected, you’ll need a separate flood insurance policy.
Important Note: Most flood policies include a 30-day waiting period before coverage becomes active (unless it’s required as part of a mortgage closing).
Sewer or Drain Backup – If water backs up through a sewer, drain, or sump pump, you’re only protected if you’ve added a water backup endorsement to your policy. It’s an affordable add-on that can save thousands of dollars in damage.
Spring Is the Perfect Time for a Policy Check-Up
Storm season is a great reminder to make sure your coverage still fits your needs. Ask yourself:
- Do I have enough dwelling coverage to fully rebuild my home at today’s construction costs?
- Are my detached structures (like garages, sheds, or fences) adequately covered?
- Most policies automatically include coverage for other structures, but it’s often a set percentage of your main dwelling limit. If you have multiple buildings or expensive improvements, that may not be enough in a major loss.
Let’s Make Sure You’re Covered—Rain or Shine
Have questions about your policy, your deductibles, or whether you’ve got the right endorsements in place? We’re here to help you review your coverage and stay protected from whatever spring throws your way.
Echard Insurance Agency, Inc.
Phone: 540-289-5119
Email: echardins@comcast.net
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