Severe storms can wreak havoc on your home in Wheat Ridge, CO. Your homeowner’s insurance will cover most types of risks associated with severe storms. However, you must read your policy to ensure which risks receive coverage. CO Insurance Specialist can help you determine what storm risks your homeowner’s insurance policy will cover.

Typical Storm Damage Coverage

Most home insurance policies typically cover water and ice damage under specific circumstances. For example, if a thunderstorm breaches your roof and rain soaks the interior, that incident is covered. Frozen pipes that burst due to excessive cold are another covered risk. Lightning strikes are typically covered, as is smoke damage and fire from such events. Some policies may even cover damaging power surges. Damage from high winds, such as tornadoes and severe thunderstorms, is also covered. However, some policies may have restrictions on the type or amount of compensation for wind damage. Large hail produced by severe thunderstorms can significantly damage your roof and some types of siding. Homeowner’s policies typically pay for full replacement minus a deductible.

What If My Home Floods?

If you experience a flood because of excessive rain, chances are a standard homeowner’s policy will not cover the damage. You may end up footing the entire bill if you don’t have a specific provision in your policy for flood damage. Even then, you may have to endure significant exclusions. If you live in an area prone to flooding, consider getting a separate policy to cover flooding. By doing so, you’ll cover all the bases of storm damage.

You can customize your homeowner’s insurance coverage through various policy add-ons. If you have questions or want to strengthen coverage to protect yourself from all storm perils, contact the CO Insurance Specialist serving Wheat Ridge, CO. We will gladly help you find the right coverage.