What Does Home Insurance Cover When It Comes to Natural Disasters?

Here’s how your homeowners insurance will cover you when it comes to natural disasters.stormy sea

As a homeowner, natural disasters are some of the only perils that you cannot do anything to avoid.  This is why it’s so important to have the right home insurance protection to rely on.  But does homeowners insurance cover all natural disaster damages?  Here’s what you need to know.

  • Hurricane Coverage

If your home is in the path of a hurricane or tropical storm, then your home may sustain damage from high winds, heavy rain, and extreme flooding.  Fortunately, your home insurance policy will offer coverage for the damages related to wind, rain, and hail.  However, if your home is damaged by floodwater, then your policy will not offer coverage for repairs.  The only way to secure flood coverage is with a specialty flood insurance policy.

  • Gas Explosion Coverage

If your gas pipes explode, then this can result in a major fire in your home.  Fortunately, all home insurance policies include fire as a covered peril.  This means that your policy will offer coverage to repair fire damages, including damages to your personal belongings.  Your insurance will also offer loss of use coverage to help you pay for the costs of temporarily living elsewhere while your home is undergoing repairs.

  • Land and Mudslide Coverage

Insurance companies categorize land and mudslides as earth movement.  As earth movement damages are excluded from standard home insurance policies, you will not have coverage for these types of natural disasters.  Specialty policies are available for those who live in areas prone to land or mudslides.

  • Tornado Coverage

The damage caused by tornadoes can usually be categorized as wind or water damage, which are both covered perils on standard homeowners insurance policies.  However, you can run into trouble if your insurer determines that your damages are caused by flooding.  If a tornado causes a nearby dam to break, and your home is damaged as a result of this rushing water, then your home insurance will not cover these damages.  In this case, you would need the coverage offered by a specialty flood policy.

This is what your homeowners insurance will cover when it comes to these types of natural disasters.  Do you have more questions about your home insurance coverage?  If so, then contact the experts at Miller Carlisle Insurance Service for assistance today.