Which Disasters Are Covered By Home Insurance?

If you own your home, you likely have homeowner's insurance that covers all sorts of disasters, whether it's damage from tornadoes or power outages due to storms. 

However, certain disasters might not be covered by your homeowner's insurance policy if they occur on your property—or if they're caused by you or an individual in your household. 
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This blog post will help you better understand which disasters are covered by homeowners' insurance policies.

Windstorm 
A windstorm can happen at any time, and if you live in an area that's prone to these events (such as along a coast or in a place where large trees grow), then it's critical to have home insurance. 

Keep in mind that most policies include coverage for only personal possessions inside your home—not damage to your property itself. 

Hurricane
Depending on where you live, hurricanes can be devastating, whether a category one or a five hurricane.

You may have to deal with winds as high as 160 miles per hour that rip apart your roof and destroy your home. If your roof is particularly vulnerable to high winds (like those of homes built in coastal areas), you may need to buy additional coverage for hurricane-related damages.

Tornadoes
Every home insurance policy should cover tornadoes. While not a significant concern for most homeowners, they can be life-threatening and cause severe damage. 

They often occur with little or no warning, so it's essential to keep track of tornado watches and warnings in your area—and make sure your coverage is sufficient if a tornado hits.

Wildfire
Most home insurance policies do not cover damages that result from wildfires. That's because wildfire damage is usually due to negligent acts, such as someone lighting a fire where it is too dry. 

However, there may be coverage available through specific policies sold through private insurers for some people.

The Bottomline
Some natural disasters aren't covered under typical home insurance policies. Other situations may not be considered a disaster but can still cause severe damage to your home. Contacting your insurance company is a good idea to make sure you have adequate coverage. 

At Rollo Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (512) 894-9742. You can also request a free quote by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please contact our agency to go over your existing coverage. We are happy to help you make sure your needs are being met!