Storms can show up fast. One moment, you’re watching the rain. Next, you’re using towels to soak up water or calling someone to check on a fallen tree. Your homeowners’ insurance should help in these situations. But it might not cover everything.
According to recent data, wind and hail damage accounted for nearly 39% of all homeowners’ insurance claims in recent years. That’s a large chunk—and it doesn’t even count what wasn’t covered.
Some storm-related damage might not be part of your current policy. It’s better to find that out now instead of after something goes wrong.
Common Gaps in Homeowners’ Insurance
Even with a good policy, there are still areas that catch people off guard when it comes to storm damage.
Here are some storm problems your policy might not cover:
- Flooding: Water that enters your home from the ground is usually not covered. This includes water from heavy rain or rising groundwater.
- Sewer backup: If drains or toilets overflow due to heavy rain, it may not be included unless you add specific coverage.
- Food spoilage: If your power goes out and food in your fridge goes bad, your policy may or may not cover it.
- Tree removal: If a tree falls but doesn’t damage your home, the cost to remove it may not be covered.
- Old or ignored damage: If your roof had issues before the storm, or your gutters hadn’t been cleaned, the damage might not qualify for a claim. Insurance often sees this as something that could’ve been prevented.
Simple Things You Can Do Today
You don’t need to overhaul your home to make a big difference. Try these quick steps to stay prepared and avoid insurance surprises:
✔ Ask about Flood Coverage
Flood insurance is a separate policy. Even low-risk areas can flood. Don’t wait for the water to rise before asking questions.
✔ Check if You Have Water and Sewer Backup or Sump Overflow Backup Coverage
This is an affordable add-on that many people overlook. But it can save you from paying out of pocket for messy repairs.
✔ Review Your Food Loss Coverage
Some policies cover food spoilage during power outages. Others don’t. It’s easy to ask and even easier to fix if you’re missing it.
✔ Look at Your Trees
If they hang over your roof or garage, trim them back. A healthy tree today could be a big cleanup tomorrow.
✔ Keep Up with Repairs
Take a walk around your home and look for anything that seems off—missing shingles, worn siding, or clogged gutters. A quick fix today could save you from a big headache later.
Stay Ahead of the Storm with the Right Coverage
We know how stressful life feels after a storm. You’re dealing with cleanup, checking for damage, and wondering if your insurance will come through. That uncertainty is tough.
That’s where we step in. At SFM Insurance, we sit with you and walk through your policy in simple terms. We help you understand what’s covered and what’s not, without all the fine print talk or sales pressure.
Give us a quick call and let’s make sure your home is ready before the next storm shows up.
