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Does Homeowners Insurance Cover Storm Damage Repair Costs?

You never know exactly what would happen if a storm comes. It may leave your property either unscathed or severely damaged. If it’s the latter, you need to have your home repaired as quickly as possible to prevent further damage.

Keep in mind that, depending on the complexity, storm damage repairs can be costly. That is why you should make sure that the homeowners insurance you have covers damage caused by storms before disaster strikes.

What Is Homeowners Insurance?

A homeowners insurance policy protects you from the losses and damages to your residence and assets within it. It typically covers four kinds of incidents that occur in your home. These include interior and exterior damage to property as well as loss or damage of personal assets. Homeowners insurance may also cover personal injury that arises on your property.

While homeowners insurance cover a wide range of incidents, acts of war or acts of God are, more often than not, excluded from most standard policies. This means that your insurance may not cover damage caused by earthquakes and floods. Meanwhile, tornadoes and hurricanes are typically included in the coverage of most basic insurance policies.

Keep an Eye on the Limit of Liability

A liability limit is always set for any given homeowners insurance policy. This limit indicates how much coverage you’re given in the event of an accident. Many homeowners insurance provide a minimum of $100,000 in liability coverage. After making a claim, you can receive a percentage of that limit which will go toward:

  • Repairing Your Property

  • Replacing Personal Belongings

  • Finding Somewhere Else to Live While the Property Is Being Worked On

Get Started

Once you have made sure your insurance covers wind or storm damage, you should file a claim to get the storm damage repairs underway. You can also ask our team at Hawk 3 Construction to help you. We offer comprehensive restoration services for homes damaged by storms. You can count on us to guide you every step of the way. To learn more about our wide range of available services, get in touch with us.

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