Is Wind Damage Covered Under Insurance?

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When strong winds sweep through an area, they can leave a trail of destruction, from torn-off shingles and broken windows to fallen trees and structural damage. If you’re dealing with the aftermath of a windstorm, one of your first questions may be: Is wind damage covered under insurance? The answer depends on your specific policy, but in many cases, homeowners’ insurance does cover wind-related damage. However, complications arise when wind damage leads to other issues—especially water damage.

What Does Homeowners Insurance Typically Cover?

Most standard homeowners’ insurance policies do cover wind damage, particularly from storms, hurricanes, and tornadoes. This usually includes:

However, coverage can vary based on where you live. In hurricane-prone areas, for example, some policies may have higher deductibles for wind-related claims, or they may exclude windstorm damage altogether unless additional coverage is purchased.

The Hidden Risk: Water Damage After Wind Damage

One of the most overlooked aspects of wind damage is how it can lead to water intrusion. If your roof is compromised, shingles are torn off, or windows are broken, rainwater can enter your home, causing further destruction. Water damage from wind-related issues can result in:

  • Ceiling leaks and water-stained walls
  • Mold growth due to trapped moisture
  • Damaged insulation and structural weakening
  • Electrical hazards from water exposure

While insurance policies generally cover water damage if it’s a direct result of wind damage, things get complicated when insurers determine whether the water came from rain entering through a damaged structure or from rising floodwaters.

Wind vs. Flood Damage: Understanding the Difference

Insurance companies often make a key distinction between wind-driven rain (which is usually covered) and flooding (which typically requires separate flood insurance). If water enters your home because wind damaged your roof or windows, it is generally covered. However, if water damage results from storm surge, overflowing bodies of water, or groundwater seeping in, standard policies do not cover it—this falls under flood insurance.

Steps to Take After Wind and Water Damage

If you’ve suffered wind-related damage to your home, here’s what you should do:

  1. Document the Damage: Take photos and videos of any wind and water-related damage as soon as it is safe to do so.
  2. Prevent Further Damage: If possible, cover broken windows and damaged areas with tarps or boards to prevent additional water intrusion.
  3. Contact Your Insurance Provider: Report the damage promptly and provide as much evidence as possible.
  4. Schedule Professional Water Damage Restoration: Prompt cleanup is crucial to prevent mold growth and long-term structural issues.

Need Help After Wind and Water Damage?

Dealing with storm damage can be overwhelming, especially when water is involved. At MSI, we specialize in water damage restoration, mold remediation, and emergency storm damage cleanup. Our team can help assess the damage, dry out affected areas, and restore your property to pre-loss condition. If you’re dealing with wind and water damage, don’t wait—contact us today to get expert help.

Is Ice Damage Covered by Homeowners Insurance?

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Winter often brings snow and ice, which can lead to significant headaches for homeowners. According to the Insurance Information Institute (III), 1 in every 55 insured homes files a claim related to water damage or freezing each year. Fortunately, most standard homeowners insurance policies include coverage for ice-related damage. However, understanding the details of your policy is crucial. Here’s what you need to know about ice damage and insurance coverage.

Hail Damage and Insurance Coverage

Hail can cause substantial damage to roofs and windows. Most homeowners insurance policies include dwelling coverage, which protects your home against specific perils like hail and other ice-related losses.

If hail damages an external structure on your property, such as a shed or detached garage, it may be covered under other structures coverage, a component of some insurance policies. However, coverage is subject to policy limits and conditions. For tailored advice, consult your insurance agent to determine appropriate levels of protection for your property.

Roof Collapse: When Ice and Snow Get Too Heavy

Ice buildup on your roof during winter can lead to roof collapse, especially when the weight of ice and snow becomes excessive. Homeowners insurance typically helps cover the cost of repairing or replacing a roof damaged by a collapse.

Additionally, if your home becomes uninhabitable due to a roof collapse, your policy may also cover additional living expenses, such as hotel bills, while repairs are underway. To prevent roof collapse, consider regular maintenance like clearing ice and snow or cleaning gutters. For safety and efficiency, hire a professional to handle roof maintenance tasks.

Ice Dams: A Common Winter Hazard

Ice dams form when ice accumulates on the edges of your roof, preventing melting snow from draining properly. This trapped water can leak through the roof, causing water damage. Dwelling coverage typically helps cover damage caused by ice dams, but personal property coverage may not include this type of loss.

It’s important to note that while homeowners insurance may not cover the cost of ice dam removal, it usually covers the resulting water damage to your home. Routine maintenance, such as cleaning gutters, can help prevent ice dams. According to the III, keeping gutters clear allows water to flow freely and reduces the risk of damage.

Frozen and Burst Pipes: Are They Covered?

Frozen or burst pipes can lead to significant water damage in your home. Homeowners insurance often covers this type of damage, but only if proper precautions were taken to maintain a safe indoor temperature. The National Association of Insurance Commissioners warns that neglecting to heat your home may void coverage for frozen pipes.

Review your policy limits and terms to understand your level of coverage for pipe-related damages.

Injuries on Ice: Liability Coverage

Ice on walkways and driveways can pose serious risks to visitors. If someone slips and falls on ice on your property and decides to sue, liability coverage included in your homeowners insurance may help protect you. This coverage can assist with medical bills, lost wages, or legal fees if you’re found responsible for the injury.

For additional protection, consider a personal umbrella policy, which extends liability coverage limits and provides extra peace of mind during winter months.

Prepare for Winter: Know Your Coverage

As winter approaches, review your homeowners insurance policy to understand what’s covered and identify potential gaps. Your insurance agent can help you adjust your coverage to meet your needs. While you can’t avoid winter weather, knowing you’re protected against ice-related damage can provide peace of mind during the colder months.

How to File a Homeowners’ Insurance Claim

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Filing a homeowners insurance claim can be a crucial step in recovering from unexpected damages, whether it’s due to a storm, fire, theft, or other incidents. Understanding the process can help you navigate it more smoothly. When dealing with a water damage loss, fire damage or smoke damage, your insurance company may authorize immediate action to mitigate damage, but you’ll want to confirm that before hiring a damage restoration specialist. Here’s a comprehensive guide on how to file a homeowners insurance claim.

Step 1: Review Your Policy

Before taking action, review your homeowners insurance policy. Familiarize yourself with what’s covered, your deductible amount, and any specific exclusions. This will help you determine whether to file a claim.

Step 2: Document the Damage

As soon as you can, start documenting the damage:

  • Take Photos: Capture images of the affected areas and items from different angles.
  • Make a List: Write down damaged or lost items, including their estimated value and any receipts if available.
  • Gather Supporting Documentation: If applicable, collect police reports (for theft) or any repair estimates.

Step 3: Contact Your Insurer

Reach out to your insurance company as soon as possible. Most insurers have a dedicated claims hotline or an online portal. Have your policy number and details about the incident ready.

Step 4: Complete the Claim Form

Your insurer will require you to fill out a claim form. This can usually be done online or through a paper form. Be thorough and accurate in your descriptions, providing all the requested information.

Step 5: Submit Your Claim

Once you’ve completed the claim form, submit it along with all supporting documentation. Keep copies for your records. Make sure to follow your insurer’s submission guidelines, as they may have specific requirements for documentation.

Step 6: Follow Up

After submitting your claim, it’s important to follow up with your insurer. Confirm that your claim has been received and ask for an estimated timeline for processing. Maintaining communication can help you stay updated on any additional information they might need.

Step 7: Meet with the Adjuster

In many cases, your insurance company will send an adjuster to assess the damage. Be prepared to discuss the incident and provide any further evidence of the damages. The adjuster will evaluate the claim and determine the amount covered based on your policy.

Step 8: Review the Settlement Offer

Once your claim is processed, your insurer will make a settlement offer. Take the time to review this offer carefully:

  • Does it cover the damages adequately?
  • Is it consistent with your policy coverage?

If you believe the offer is insufficient, you can negotiate or provide additional evidence to support a higher payout.

Step 9: Accept the Settlement

If you’re satisfied with the settlement offer, you can accept it. The insurer will then process the payment based on the agreed amount. Depending on your policy, this may be sent directly to you or to contractors for repairs.

Step 10: Keep Records

After your claim is settled, retain all documentation related to the claim, including correspondence with your insurer, records of repairs, and any payments received. Keeping these records can be beneficial for future claims or policy renewals.

In Closing

Filing a homeowners insurance claim doesn’t have to be a complicated process. By staying organized and informed, you can navigate the claims process more confidently. Remember, if you had a water damage loss, or a fire and smoke damage incident and your insurance company gives you the right to start mitigation, you’ll need to do your due diligence in finding the right restoration company to handle the job. And you do not under any circumstance, need to hire who the insurance company recommends, as most times that is a franchise who’s in their pocket and does sub-par work. You have the right to hire any certified restoration company of your choosing, so long as they understand  the claims process.