Types of Property Damages Covered in a Storm Damage Insurance Claim

A stormy sky

Storms can be seriously destructive to our homes and property. If your home or vehicle has been damaged by a storm, you’re probably wondering what types of damage may be covered by your insurance.

Keep reading to learn more about the different types of property damage that may be included in a storm damage claim and how much your claim may be worth.

What Types of Property Damage Are Covered in Storm Damage Claims?

Keep in mind that the types of damage covered will vary depending on your policy. To determine what types of property damage are covered by your policy, you should review your policy and consult with an experienced insurance lawyer. A lawyer can give you an idea of the fair value of your claim.

In general, storm damage claims may cover the following types of damage:

  • • Hail damage
  • • Water damage
  • • Flooding
  • • Fire
  • • Vandalism
  • • Theft
  • • Lightning

How Much Is My Storm Damage Claim Worth?

Unfortunately, there’s no easy way to determine what you may be owed for your storm damage claim. Instead, you can consider the various factors that can influence the value of your home insurance claim:

  • Deductibles – A higher deductible can lead to lower settlements.
  • Failure to Prevent Further Damage – Failure to prevent further damage can mean your storm damage claim is denied or worth less.
  • Late Filing – If you filed your claim late, it may be denied.
  • Unpaid Premiums – If you haven’t been consistently paying your premiums, your claim may be denied.
  • Type of SettlementActual cash value settlements are based on the market value of your home, while replacement cost settlements are based on the cost of repairs and are usually higher.
  • Depreciation – A reduction in the value of your home can reduce the value of your claim.

How to Get Maximum Compensation for Your Property Damage Claim

Out of all the factors that can influence the value of your claim, one of the most important is your own behavior. To ensure maximum compensation for your claim, follow the tips below:

  • File on Time – Make sure you file within the time limit laid out in your policy.
  • Prevent Further Damage – Take steps to prevent further damage,  such as by putting a tarp over a damaged roof.
  • Document Repairs – Keep records and receipts of repairs.
  • File a Comprehensive Claim – Provide all available evidence in your claim.
  • Seek Help from an Insurance Attorney – An attorney can help you determine what you may be owed and the right steps to protect your compensation.

Get Help Seeking Compensation for Storm Damage to Your Property

There are many potential pitfalls standing between you and a successful storm damage home insurance claim. To ensure that your claim is protected, you should consider reaching out to an experienced property damage lawyer.

The property damage lawyers at Millin & Millin have experience handling storm damage claims, and we can help you get whatever compensation you may be owed for property damage.

If a storm has caused you property damage, get help from a property damage lawyer to seek storm damage relief.

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