Storm damage is indeed a major concern for homeowners in Pooler, GA. Our area frequently experiences tornadoes and tropical storms, prompting homeowners to ponder over what type of damage their homeowner’s insurance policy will cover. Covenant Insurance can recommend an insurance policy that adequately covers all types of storm perils.
Most Policies Have Wind Damage Coverage
Whether straight-line winds or gusts from a thunderstorm cause damage, those events usually receive coverage. However, given Pooler’s location in the southeast, you should double-check your policy to ensure you’re covered for damage from tornadoes and tropical storms. Some policies may require special premiums for those events.
Wind damage could affect various structures on your property and your home. Damage to sheds and other structures, such as fences, may occur, provided coverage B stipulations protect structures outside your original residence.
What Water Damage Will My Policy Protect?
Only certain types of stormwater damage are covered by a standard homeowner’s policy. For instance, if a storm breaks open and one or more windows or siding is ripped off the side of your home, resulting in water infiltration, damage from both types of events is covered. However, flooding that may occur due to rising waters from a tropical storm or hurricane is not covered. It would be best to consider getting additional coverage for these events through a separate storm policy.
Some areas may require additional storm coverage premiums, depending on your location. Covenant Insurance, serving residents and businesses in Pooler, GA, can advise you on the types of coverage you need for complete storm protection. Contact our agents today to learn what types of storm perils your policy will cover and all associated costs.
