Does Insurance Pay for Storm Damage?

9/22/2023 (Permalink)

storm damage SERVPRO of ventura

Storms, ranging from mild thunderstorms to severe hurricanes, can inflict significant damage to our properties. Home and business owners often find themselves wondering about the aftermath – "Will my insurance cover the damage caused by this storm?"  Teaming up with SERVPRO of Ventura, we've put together a comprehensive guide on insurance coverage for storm damage.

Understanding Storm Damage Coverage

Insurance policies can differ greatly, so it's crucial to review your specific policy or consult with your insurance agent. However, most standard homeowners' insurance policies will cover damages resulting from:

1. Windstorms: This includes tornadoes, hurricanes, and other strong-wind events.
2. Hail: Damage caused by hailstones is typically covered.
3. Lightning: If lightning strikes your home, causing a fire or electrical damage, it's usually covered.
4. Falling Objects: This includes tree branches or other debris that might damage your property during a storm.

When Insurance Might Not Pay

1. Floods: Standard insurance policies often exclude flood damage. If you live in a flood-prone area, consider purchasing additional flood insurance.
2. Neglect: If damage occurs because you failed to maintain your property or address prior damage, insurance might not cover it.

The SERVPRO of Ventura Difference

When you're faced with storm damage, you need a reliable partner to help you navigate the restoration process. SERVPRO of Ventura stands out with its extensive experience in:

• Damage Assessment: Their team will assess the severity and extent of damage, helping you understand the necessary repairs.
• Restoration Services: From water extraction to mold remediation, SERVPRO ensures that your property returns to its pre-storm condition.
• Insurance Claims: The team can guide you through the insurance claim process, making it as stress-free as possible.

What Should You Do After a Storm?

1. Safety First: Make sure you and your loved ones are safe. If necessary, evacuate the property.
2. Document Everything: Take clear photos and videos of all damage. This will be crucial for your insurance claim.
3. Contact Your Insurance Company: Inform them about the damage and ask about the claim process.
4. Reach Out to SERVPRO of Ventura: For professional restoration services, it's best to call in experts like SERVPRO of Ventura.

Storm damages can be daunting, but understanding your insurance policy and knowing who to turn to for help can make the process manageable. While insurance often covers many storm-related damages, there are exceptions. Always be proactive in maintaining your property and familiarize yourself with your policy's specifics. And when in doubt, remember that SERVPRO of Ventura is just a call away, ready to help you restore and rebuild.