Rebuilding after storm damage is no small feat and insurance is often what makes it possible. Here are four things you need to know about your insurance when it comes to storm damage.
1. Your homeowners insurance may not cover water damage
Water damage can devastate a home, especially after a storm. But, most homeowners insurance policies only cover certain types of water damage. One of the major differences is how the water gets inside your house.
Water damage that originates inside your home or from a storm-created opening is typically covered by home insurance. An example is rainwater that enters your home through openings storm winds create.
Water damage from outside your home is usually not covered by homeowners insurance. Examples may include flood, surface or storm surge water. Another example of this is water that enters your home through manufactured openings such as windows or doors. Even if you don't live in a flood zone, it's a good idea to add flood insurance and it's usually very affordable.
2. If your insurance claim is denied, you may qualify for government assistance, like FEMA
If the government declares your town a federal disaster area, the Federal Emergency Management Agency (FEMA) may provide disaster relief.
To qualify, you will first need to submit an insurance claim. If your insurance company approves your claim, they will pay it, not FEMA.
If your insurance doesn't cover the damages, the insurance company will deny your claim. Next, you need to submit the FEMA paperwork and documentation, which you can complete online. You will need to include a formal denial of your claim from the insurance company. FEMA may provide compensation for damages.
3. If somebody else's property damages your house during a storm, you are likely still responsible
What happens if your neighbor's tree falls onto your house and damages your roof during a severe storm? Or, what if your fence blows over and dents your neighbor's car during a period of high wind? Who is responsible?
The general rule for insurance is that your property is your responsibility. This usually includes trees that fall onto your property.
So, if a neighbor's tree damages your property during a storm, you could be considered responsible and your policy would most likely cover your damages.
But, things may change if the tree is dead or dying before the storm.
4. Your house must be "unfit to live in" to receive reimbursement for temporary relocation
After severe storm damage, your home may be unsafe to live in. "Unfit to live in" means you and your family cannot safely stay in the home. Determining if your home is unsafe after a severe storm can be difficult. Most claims departments try to determine whether a home is fit to live in on a case-by-case basis. For example, if part of your roof blows away in strong winds, your home may be considered unsafe.
If your home is unfit to live in, some policies cover the cost of temporary relocation and other living expenses. This may include living expenses you incur during your home repairs or until you find a new house.
You may need to make the decision to temporarily leave your home before talking with your insurance company. If you do leave your home, make an honest assessment to determine if it's unfit to live in - especially if you expect your insurance company to pay for your expenses.
As you prepare for life's storms, be sure to examine your current insurance policies and review coverages before a disaster strikes.
Disclaimer: This article is not expert advice. The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy.
Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Discounts may not be available in all states. Limitations and conditions may apply. Products referenced may not be approved/available in all states. Limitations and conditions may apply. Premium will be based on benefits chosen and policy rates available at time of application. Premiums will be based on benefits chosen. Please check with your local Independent Auto-Owners Insurance Agent for details. Used with permission by Auto-Owners Insurance Company C 2019. All Rights Reserved.