What Storm Damage Is Covered by Standard Homeowners Insurance?

Wind and hail damage are usually covered under a standard homeowners policy. That includes a roof torn off by strong winds, siding dented by hail, or a window shattered by flying debris. The policy generally pays to repair or replace the damaged parts of your home and your belongings inside.

If a tree falls on your house during a storm, coverage usually applies to the structure and the tree removal, up to your policy limits. Damage to a fence or shed may also be included, but the limits can be lower. Check your policy for specific caps on outbuildings and landscaping.

• Roof shingles lifted or torn by wind
• Hail dents on metal siding or gutters
• Broken windows from wind-borne debris
• Fallen tree branches damaging a deck or carport
• Damage to a detached garage or shed

Water damage from rain is covered when the rain enters through a sudden storm opening, such as a hole in the roof or a broken window. This is considered a covered peril because the wind created the opening. The policy typically pays for drying, cleanup, and repairs to affected walls, floors, and belongings.

However, if rain seeps in through a worn roof or a cracked foundation due to lack of maintenance, coverage is often denied. Insurance is for sudden and accidental damage, not gradual wear. Keep your roof and gutters in good repair to avoid a denial.

Before you start cleanup, take photos and videos of all damage, including the storm opening, water lines, and damaged belongings. Make a list of everything affected, with approximate purchase dates and values. This documentation helps your insurance adjuster understand the scope of the loss.

Keep receipts for any temporary repairs you make, like tarping a roof or boarding a window. Those costs are usually reimbursable. If you need help documenting the damage for your claim, a water damage inspection can provide a detailed report. Act quickly to prevent further damage, but do not throw away damaged items until your adjuster has seen them.