Does Home Insurance Cover Wind and Storm Damage?

Mother Nature can cause a wide variety of damage to your home. But the good news is you have home insurance to protect you from costly damage that results from the unexpected — and that includes damage from things like wind and storms. How you’re protected depends on what kind of damage was done and what caused it. We’ve highlighted everything you need to know about storm damage and your homeowners insurance, so you can have confidence in your coverage.

Storm Insurance Coverages

Your home insurance typically covers damage from storms and offers protection for the following types of events:

Wind Damage Insurance

Your homeowners insurance covers dwelling, other structure and personal property damage caused by windstorms. This includes coverage for your home’s structure, like damage to your roof due to wind, and coverage for your personal property, like if a window breaks due to hail and rain ruins your new TV.

Hail Damage Insurance

If hail causes damage to the exterior of your home, your dwelling coverage helps cover the cost to repair or replace the damage, up to your policy limit.

However, your home’s detached structures, such as a fence, garage, gazebo or swimming pool, may only have limited coverage from your base policy. In order to properly protect them from hail damage, you may want to consider adding coverage for your detached structures. Here’s a closer look at how you can protect your detached structures.

Lightning Damage Insurance

Lightning can cause serious damage to your home, including fire and damage to your electronic devices. Fortunately, your home insurance covers lightning-damaged electronics and other personal property, and your dwelling coverage protects the structure of your home if lightning causes a fire.

Ice and Snow Damage Insurance

Fallen trees from weight of snow, ice dams and frozen pipes are common causes of ice and snow damage to your home from winter storms like blizzards. Thankfully, your homeowners insurance covers damages from instances like these.

Natural Disaster

Though your homeowners policy doesn’t cover you for natural disasters like earthquakes or floods, there are options available for you to obtain coverage on these events.

Earthquake Insurance

By adding earthquake coverage to your homeowners policy, you get an extra layer of protection that kicks in where your basic coverage ends. It helps protect your home, garage and other structures on your property, fences, driveway, sidewalk and other permanently installed yard fixtures, construction materials on your premises for use in your home and your personal property. Find out more about how earthquake coverage protects your home from the unexpected.

Flood Insurance

Floods are another natural disaster that aren’t covered by your homeowners policy, but American Family conveniently offers flood insurance from the National Flood Insurance Program. If you live in a flood-prone area or just want peace of mind, consider purchasing flood insurance to protect your home, your personal property and everything else that makes your home uniquely yours. Keep reading to find out why flood insurance matters.

Storm Damage Insurance Claims

Do you need to file an insurance claim for storm damage to your home? Head to our storm claims page to find out everything you need to know about filing a storm damage insurance claim with American Family.

Request a Homeowners Insurance Quote

Ready to get the protection you need and the peace of mind you deserve? Connect with an American Family agent to learn how you can better protect your home from storm damage — they’ll make sure you have the right coverage in place.


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