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Fire & Water - Cleanup & Restoration

Storm-related Water Damage | Are you covered?

5/17/2022 (Permalink)

A SERVPRO logo over a photo of insurance paperwork. Supplemental policies can offer extended coverage.

As a homeowner, you can take steps to protect your home from the unexpected, but you can’t control what the weather throws your way. Storms are unpredictable and can cause costly damage to your property. Homeowner’s insurance can lessen the challenge of repairing your home after a storm. It is important to remember that coverage varies by policy. 

Most homeowners insurance policies only cover certain types of water damage. Coverage depends on how the water got inside your home. 

Water damage that originates inside your home or from a storm-created opening is usually covered by home insurance. Examples may include:

  • An overflowing washing machine 
  • A burst interior pipe
  • Rainwater that enters your home through openings created by storm winds

Unfortunately, home insurance usually does not cover water damage originating from outside the home. Examples may include:

  • Floodwater 
  • A broken water main
  • Water that enters your home through manufactured openings

Supplemental policies can offer extended coverage. Property owners residing in high-risk flood zones may want to consider adding supplemental flood insurance.

In the event of storm damage, you can rest assured that SERVPRO professionals will work closely with your insurance company to safely restore your home.

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