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What Natural Disasters Are Covered By Home Insurance?

Your home is a valuable asset and a place to enjoy peace and comfort. Homeowners insurance can protect your investment in case a natural disaster strikes. But what kinds of damage does your home insurance policy cover?

Windstorm

Windstorms, including tornadoes, hurricanes, hail, and thunderstorms, are some of the most common causes of home insurance claims. Home insurance covers not only the damage from the wind or hail but also the damage from rain that can soak the inside of your home if there are holes in your roof or walls.

Fire 

Home fires caused by lightning, faulty wiring, or other sources are another common cause of insurance claims. If you have house fire insurance King George VA through your basic homeowners policy, you should be covered if a fire damages your home. Even if you live in an area prone to wildfires, your policy should cover your home.

Weight of Snow, Ice, or Sleet

Snow, ice, and sleet can cause damage to roofs and other property if it becomes too heavy for the structure to support. This type of damage is usually covered by most homeowners insurance, but only if your roof is in good repair.

Volcanic Eruption

A volcanic eruption may not be a concern for many homeowners, but it is covered in most homeowners insurance policies. It can be an uncommon risk even if you live near an active volcano.

Other natural phenomena that are likely to be covered by home insurance include smoke damage and freezing of your pipes or appliances. Some disasters that are not often covered by home insurance include floods, earthquakes, and landslides. These disasters require additional policies that you can purchase from your insurance company. Discuss your homeowners policy with a qualified insurance agent to ensure you have the coverage you need.

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