The Impact of Weather-related Events on Home Insurance Claims

As a homeowner, one of the major threats you face is potential damage due to extreme weather. Therefore, it’s essential to understand the impact of weather-related events on your home insurance claims. At Stonewall Grace Insurance in Buena Vista, VA, we take the time to help you understand your coverage. If you need additional coverage, we’ll help you find it. 

Weather Events Not Covered by Home Insurance

Your home insurance policy does not usually cover floods. However, Virginia residents can buy separate flood insurance through the National Flood Insurance Program. Check your policy to see what weather-related claims it covers. It’s helpful to schedule an appointment with your insurance agent to ensure you don’t miss anything in the fine print. For example, does your policy cover someone who falls on your icy sidewalk?

Types of Weather Damage Covered

It’s crucial to review your personal policy. However, most homeowners’ insurance covers weather-related damage from hail, fallen trees, and backups due to excess rain. Your individual policy may also list roof damage, wind damage, and power failure coverage. If you need help determining whether your policy includes landscaping damaged by ice dams, we can help.

Weather-Related Liability

Do you know if your policy covers liability related to neighbors falling and slipping on your icy porch steps? What about ice and snow that causes a miniature avalanche? Instead of guessing, contact our team for a thorough policy evaluation.

In any case, proper home maintenance can avoid many of these risks. Keep your roof clear, and sidewalks shoveled to limit your liability. If an accident occurs, contact the insurance company for instructions. Depending on your coverage, you may also get help with your lawyer’s fees too.

Contact Stonewall Grace Insurance in Buena Vista, VA for more information on protecting your home and belongings from weather-related damage and risks.