Coldwell Banker Realty - Lynnfield
Lynn D'Avolio, Coldwell Banker Realty - LynnfieldPhone: (801) 597-2857
Email: [email protected]

Weather damage protection through homeowners insurance

by Lynn D'Avolio 08/30/2023


Owning a home can be a great investment. Making sure this investment is secure is essential. Purchasing homeowners insurance can financially cover your home in the event perils occur. So, what are some of the perils you can expect to be covered under your homeowners insurance? 

Severe wind damage 

It is common for homeowners insurance to cover wind damage. This can include wind from large storms, tornadoes and additional natural disasters. However, some policies will limit or exclude certain types of wind damages, such as roof repair.

Hail damage 

If your region has frequent hail storms, homeowners insurance may have different policies regarding damages from these storms. For example, some may only offer limited or no coverage at all for cosmetic damages from hail. 

Lightning strike damage 

Lightning strikes are a standard peril covered under homeowners insurance policies. If your home is damaged from a lightning strike, dwelling coverage will help pay for repairing the structure of the home. 

Consider adding flood Insurance

Flood insurance is not typically covered in homeowners insurance. You may live in an area prone to flooding, such as by a river or the ocean. You may have to purchase additional flood insurance with your standard homeowners insurance. Personal property coverage would cover damages to your personal belongings. 

Sewer backups caused by rain may not be completely covered 

Standard homeowners insurance typically doesn’t cover sewer backup damages. Much like flood insurance, water backup insurance must be purchased separately. This coverage may be best for homes with a basement. 

Sewer damage can be extensive and costly. Sewer backup coverage is a great way to protect your home before an accident happens. 

We can’t control the weather, but we can protect our home in the case of weather damage. Investing in homeowners insurance can financially secure your hard-earned assets. 

About the Author

Lynn D'Avolio

It is my goal as your full service real estate Broker specializing in the Boston Metro West area, covering Northshore, and 30 to 45 min from Boston in all directions, to provide you with superior service at all times. My local expertise and extensive real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources I offer. 

I consider this community an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. I pride myself on providing unparalleled service and look forward to developing a long-term relationship with you. Please feel free to contact me if you would like to discuss how I can best assist you with your real estate needs.