Is Storm Damage Covered by Insurance in Freehold, NJ?

Homeowners insurance can help you out in a variety of unexpected accidents, but what about a bad storm? When will your insurance policy cover the damages and when will it not?

The answers to these questions can vary from policy to policy. Still, there are some storm-related incidents that are usually covered and some that are not. Let’s look at the most common ones so you can get an idea of what your homeowners insurance should cover.

Typically, if the damage was a surprise and caused by a normal storm, your insurance policy will cover it. You should receive compensation for water and ice damage, fallen trees, wind and hail damage, lightning strikes, and power surges. Even if a fire follows the storm, the policy should help with the repairs afterward.

There are two kinds of storm-related incidents that are rarely covered by basic homeowners policies: floods and earthquakes. If you experience either of these disasters, you’ll likely need a separate insurance policy to receive coverage. Seeing as New Jersey has witnessed both earthquakes and floods in the past decade, it’s not a bad idea to look into protection from both by purchasing additional policies.

Although your insurance might cover damages when a tree falls on your own house, what if the tree falls on a neighbor’s car? Or what if debris from your building impacts someone passing by? You may want to talk to your insurance agent about property damage and personal injury coverage for people outside of your household.

At Restoration 1 of Freehold, we bundle both our water and fire damage servicesinto our storm damage restoration projects. No matter what kind of havoc the weather wreaks, we can restore your home to its original safe condition. Schedule storm damage cleanup or repairs by calling 908-386-5233 today.