When a strong storm damages your home, determining whether the problem resulted from a sudden event or gradual deterioration can affect how your insurance policy responds. This distinction is particularly important when reviewing a claim involving a roof, siding, windows, or other parts of your home.
How Wind Damage Differs From Wear and Tear
Homeowners’ policies generally include windstorms among the perils that may be covered, while damage caused by wear and tear or lack of maintenance may be excluded.
For example, if strong winds cause a tree branch to strike your roof and create damage, that may be treated differently from shingles that have gradually deteriorated because of age and exposure. The timing and cause of the damage can be important when an insurer evaluates a claim.
Document Damage After a Storm
If you experience storm damage to your home, document the condition of your property as soon as it is safe to do so. Take photographs, preserve relevant receipts, and contact your insurance professional at Land Home Insurance Services before making extensive permanent repairs.
It’s recommended to take reasonable steps to protect damaged property from further harm while avoiding extensive permanent repairs until the damage has been assessed.
Review Your Home Insurance
Regular maintenance remains an important part of protecting your property. Reviewing your home insurance periodically can also help you identify exclusions or limitations that could affect a future claim.
Headquartered in Concord, California, Land Home Insurance Services serves customers in more than 30 states. Contact our team of insurance experts today to discuss your home insurance, ask questions about storm-related damage, and learn more about how your policy may apply to your circumstances.
