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  • Writer's pictureLucy Viggiano

Is damage from natural disasters covered in my home owners policy?


Yes, damage from certain natural disasters is typically covered in a standard homeowners insurance policy, but it's important to understand the specific coverage and limitations. Here are some common natural disasters and how they are typically covered:

  1. Fire: Damage from wildfires, lightning strikes, or accidental fires is generally covered under the standard homeowners insurance policy.

  2. Windstorms: Damage caused by wind, including tornadoes and hurricanes, is usually covered. However, some coastal areas prone to hurricanes may require additional windstorm coverage or have higher deductibles.

  3. Hail: Hail damage to your home, roof, and personal property is typically covered under a standard policy.

  4. Snow and Ice: Damage from the weight of snow and ice, such as roof collapses, is generally covered.

  5. Rain and Water Damage: Damage from rain and non-flood-related water events, such as a burst pipe, is typically covered. Flooding, however, requires a separate flood insurance policy.

  6. Earthquakes: Earthquake damage is usually not covered in a standard homeowners policy. Homeowners in earthquake-prone areas may need to purchase a separate earthquake insurance policy.

  7. Floods: Flood damage is not covered by standard homeowners insurance. To protect against floods, homeowners must purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.

  8. Mudslides and Landslides: These events are often excluded from standard policies. Some insurers offer separate coverage for landslide and mudslide damage.

It's essential for homeowners to review their policy carefully, understand what natural disasters are covered, and consider any additional coverage needed based on their geographical location and risk factors. Your expertise in the life safety industry can help homeowners make informed decisions about enhancing their property's safety and security measures to mitigate potential natural disaster risks.

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