The short answer
What Storm Damage Usually Covers
Most standard homeowners policies cover damage from wind, hail, and lightning. That includes torn roofs, broken windows, and fallen trees that hit your home. If a storm tears off shingles or smashes a window, the cost to repair those parts is often covered.
However, coverage can vary by policy and by state. Some policies have separate deductibles for wind or hail, which means you may pay more out of pocket before coverage kicks in. Read your policy's declarations page to see what perils are listed and what your deductible is.
Policies vary, and your insurer decides what is covered.
- Wind damage to your roof, siding, or windows
- Hail damage to shingles, gutters, or skylights
- Lightning strikes that cause fire or electrical damage
- Fallen trees or branches that damage your home
- Water damage from rain entering through a storm-damaged roof
Flooding Is Usually Not Covered
Standard homeowners policies exclude flooding caused by rising water. That includes storm surge from heavy rain or overflowing rivers. If water enters your home from the ground up, you likely need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Even if you live in a low-risk area, flooding can happen. Spring thunderstorms can bring heavy rain, so consider whether flood insurance makes sense for your situation. Check your policy and talk to your insurance agent about your options.
If you experience water damage from a storm, act quickly to dry out your home and prevent mold growth. Document the damage with photos before cleaning anything.
- Rising water from heavy rain or overflowing creeks
- Storm surge from coastal storms
- Mudslides or mudflows that are flood-related
- Sewer backup, unless you have separate coverage
- Water that seeps through the foundation
How to Document Storm Damage
As soon as it is safe, take photos and videos of all damage. Include wide shots of your home and close-ups of broken windows, torn shingles, or water stains. Write down the date and time of the storm and a list of damaged items.
Make temporary repairs to prevent further damage, such as covering a hole in the roof with a tarp. Keep all receipts for materials you buy. Do not throw away damaged items until an insurance adjuster has seen them.
Keep a written record of your home's condition before a storm, such as photos of your roof and yard. That helps when you file a claim.
What to Do After a Storm
Safety comes first. Stay away from downed power lines and do not enter a home that looks structurally unsafe. If you smell gas or hear hissing, leave the house and call the gas company from outside. See a doctor if you feel unwell from mold or debris exposure.
Contact your insurance company as soon as possible to start the claims process. They will send an adjuster to assess the damage. You can also hire a local water damage pro to inspect the property and provide a detailed report of the damage.
Keep a log of all conversations with your insurer, including dates and names. Ask questions if you do not understand the claims process.
- Turn off electricity and water if safe to do so
- Avoid walking through standing water
- Wear gloves and boots when handling debris
- Keep children and pets away from damaged areas
- Do not attempt major structural repairs yourself
When to Call a Water Damage Pro
If your home has significant water intrusion, a professional water damage inspection can help. The pros can assess the extent of the damage, check for hidden moisture, and recommend steps to dry out your home. They do not handle insurance claims, but they can provide documentation.
Water damage can lead to mold growth within 24 to 48 hours. Acting quickly is important. The pros typically use specialized equipment to extract water and dry out walls and floors, which helps prevent secondary damage.
If you live in Euless, you can contact local water damage pros for an inspection. They can give you a clearer picture of what needs to be done.
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Call Now (817) 799-6732Frequently asked questions
What if my storm damage is from a fallen tree?
If a tree falls on your home, whether your policy covers the damage depends on your specific coverage. Many policies include damage from fallen trees, but the cost to remove the tree is often covered only if it damages your home. Check your policy for specific tree removal coverage.
Does my policy cover food spoilage after a storm?
Many homeowners policies include coverage for food spoilage if power is lost due to a covered peril like wind or lightning. Some policies have a limit, such as a few hundred dollars. Review your policy or ask your insurance company about this coverage.
Should I file a claim for minor storm damage?
Consider your deductible first. If the repair cost is close to or below your deductible, filing a claim may not be worth it, as claims can raise your future premiums. For significant damage, filing is usually the right choice. Document everything before you decide.