Does Insurance Cover Storm Damage?

When an unexpected disaster strikes, one of the first questions homeowners ask is “does insurance cover that?” Navigating the landscape of what insurance does and doesn’t cover isn’t always easy, especially when it comes to random occurrences and natural disasters 

Thankfully, in the case of storm damage, home insurance does typically provide coverage. 

There is one general exception though: flooding. 

Flooding typically isn’t covered under standard home insurance policies. Why? There’s no singular answer, but one of the primary reasons is because flood risk can vary so greatly depending on your geographical location. Additionally, typical basement flooding is often avoidable if you take the right actions. 

As for damage done by wind, rain, and lightning, your insurance policy should cover it. Of course, you’ll have to talk to your insurance provider to know for sure. If your home has been damaged by a storm, however, you need to be careful when it comes time for repairs. 

Watching Out for Scams 

Serious storms can often draw in con artists and shady companies looking to take advantage of the situation. Some will send calls, emails, or texts saying that they’re with FEMA, SBA, or even an insurance provider in an attempt to get confidential information such as your social security number. 

Others will actually offer some degree of restoration services. They’ll try and hook you with unbelievably low prices, but there’s a catch. Either this cost is actually a down payment for a much more expensive bill, or you’ll receive the level of service you paid for (which isn’t good). Whatever the situation, since they’re not a local company, they can move on to victims in other towns without their reputation being damaged. 

Meanwhile, you’ve just blown whatever repair funds you had on a job half-finished. 

Finding a Reliable Restoration Company 

Whether you have coverage for storm damage or not, it’s important that you have your home properly repaired. It’s always best to look for a company that specializes in emergency repair. This helps ensure that they know how to properly repair damage. 

Additionally, you should choose a company that is local. This creates more accountability for the company doing the work. It also allows you to ask around and check for references. 

At Reliant Restoration, we’ve built a respectable reputation across the Miami Valley area. We can happily provide references and testimonials as needed. For storm damage repair in Springfield, Ohio and the surrounding communities, contact us today! 

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