Types of Storms Covered by Home Insurance
Standard Storm Coverage
The majority of standard homeowners' insurance policies cover a wide range of storm-related damages under the “perils” clause. This typically includes damage from windstorms, hail, lightning, and thunderstorms. If your roof is damaged by high winds or hail, or if lightning causes a fire or power surge that affects electronics, your home insurance will generally pay for repairs or replacements, minus your deductible.
Wind and Hail Storms
Windstorms and hail are among the most common storm-related claims in states like Texas. Home insurance usually covers these perils automatically. However, in certain high-risk coastal areas, wind and hail damage may require a separate deductible or even a separate policy, such as coverage from the Texas Windstorm Insurance Association (TWIA).
Lightning and Thunderstorms
Damage caused by lightning strikes, like fires or power surges, is typically covered. If a lightning bolt hits your home and starts a fire or fries your electrical system, your policy should cover the resulting damage to the structure and personal property.
Tornadoes
Although not always listed separately, tornado damage is usually covered under the windstorm portion of your home insurance policy. Tornadoes can cause significant destruction through high winds and flying debris, both of which are standard perils under most policies.
Snow and Ice Storms
While not typical in every region of Texas, snow and ice storm damage—such as a roof collapse from snow weight or water damage from ice dams—is often covered. However, damage resulting from a lack of maintenance, like a burst pipe due to uninsulated plumbing, might not be.
What’s Not Covered: Floods and Hurricanes
It is important to note that flood damage from storm surges or heavy rain is not covered under standard home insurance. You’ll need separate flood insurance through the National Flood Insurance Program (NFIP) or a private provider. Additionally, hurricane-related wind damage may require a special deductible or policy rider, especially in coastal areas.
Conclusion
Always review your policy details and speak with your insurance provider to ensure you're adequately covered for the types of storms common in your area.