Analyzing Homeowners Insurance: Does It Cover Rain Damage?

Heavy rains can cause major water damages to your property, including water leaks, flooding, and drain overflows. If these damages are not fixed on time, they can lead to significant problems in the foundation of your home.

When you hire a water damage restoration agency to repair the damages, you must know how much of these costs are covered by your homeowner’s insurance. The following points will help you understand whether your homeowner’s insurance covers water damage.

Rain Damage

Certain damages caused by rain are covered by your home insurance policy. For example, if the rain or storm has caused a leak in your roof, the cost to repair it will be covered by the policy.

However, you won’t get coverage if you already had damage in a wooden pillar on the porch and the rain worsens it further, as it is considered preventable damage that could have been fixed.

Flood Damage

Your regular homeowner’s insurance may not cover flood damage. It will cover only minor leaks, so you will need separate insurance to cover flood damage.

Due to the extent of flood damage and the expenses involved, only some insurance providers offer flood damage coverage.

Other Damages Due to Rain

The extent of damages your property faces depends on the severity of the rain. Generally, most homeowner’s insurance covers damages caused by hailstorms, wind, and lightning.

Consult your provider to understand the type of water damages covered by your insurance. While homeowner’s insurance covers various water and rain damages, they are meant for emergencies. You cannot expect coverage for damages caused by regular wear and tear.

Investing in homeowner’s insurance is necessary to protect your home from unexpected damages. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We help you find the best coverage that suits your needs and budget.