Will homeowners insurance pay for storm damage?
Short answer. Yes, if four conditions line up: a covered storm peril such as wind, hail, lightning or a falling tree caused the damage, the damage is sudden physical loss rather than wear, the repair cost is above your deductible, and you reported it promptly and protected the home from further damage. Flood is the major exception and needs separate coverage.
The four conditions
- Covered cause: wind, hail, lightning, ice weight and falling objects are covered; flood, surface water and earth movement are not.
- Sudden physical damage: creased or missing shingles, fractured mats, punctures, broken windows. Not gradual leaks, rot or cosmetic marks excluded by endorsement.
- Above the deductible: after a storm, a separate wind and hail deductible may apply, often a percentage of Coverage A.
- Policy duties met: prompt notice, reasonable steps to prevent more damage, access for inspection and cooperation with requests.
What it pays
- Repairs to the house, minus the deductible.
- Other structures such as fences and sheds.
- Belongings damaged by the storm.
- Extra living costs if you must move out during repairs.
- Reasonable emergency repairs and limited tree removal.
How much you get
On replacement cost coverage, you collect the full approved cost minus the deductible, usually in two payments. On actual cash value or a roof payment schedule, depreciation reduces the payout. See ACV vs RCV.
When payment is denied or reduced
Read the letter for the exact policy provision. Request a reinspection with evidence if the facts are wrong, or appraisal if the dispute is about the amount. See what to do when a claim is denied.