Does Home Insurance Cover Storm Damage?

Natural calamities can be chaotic and destructive beyond your imagination. Even though the weather forecasters warn the states and cities that will get hit by any particular type of storm, flood, or typhoon before they actually do. However, you only get to know about the amount of damage once it is done. That is where a home insurance policy comes in as it provides coverage for damage caused by a natural calamity such as storms.

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Types Of Storms

Does home insurance cover storm damage? This is the question we are here to talk about but before that let us tell you about the types of storms such as wind, hail and lightning storms.

Wind Storm

Well, wind storm includes tornadoes and hurricanes. Usually, standard home insurance policies do not cover damage to the structure of your home and the content caused due to high-speed winds that include tornadoes, hurricanes, etc. This is why it is recommended that you check the insurance policy coverage properly before purchasing.

Hail Storm

Hail storms usually take place in the hill stations in India and because of the heavy snowfalls. Due to continuous snowfall, they keep on collecting on the roofs of the house which is one of the most common hail storm-related insurance claims. The collection of snow on the roof of the house keeps on increasing which can decrease the temperature inside the house as well and damage it if you have not taken necessary precautions while building it.

Lightning Storm

Lightning storms are typically covered under home insurance policies. It is because lightning storms rarely hit any house or a place surrounded by houses.
However, the question remains if your home insurance policy provides coverage for the damages caused by storms?

Does Home Insurance Cover Storm Damage?

Well, yes home insurance does cover damage caused by storms such as Hail and wind. However, every insurance company has different criteria and they provide a different kind of coverage hence it is suggested to the buyer to check the inclusions as well as exclusions along with the term and conditions of the insurance plan.
Since the damages caused by hail storms and wind storms target the roof of the house, it is important to know that how does the roof coverage work?

How Does Roof Coverage Work?

Out of all the elements of your home, the roof arguably has the foremost direct exposure to the elements. For northern climates, there's the burden of significant snow and hail or ice storms. within the Midwest, tornados and cyclones are common problems. In tropical climates, there is the potential for gales and hurricane-force winds.

Not solely can Natural disasters do direct damage, but also trigger different styles of choas—like a storm that a tree drop onto your roof. There are also wildfires as well as additional unlikely incidents, like one thing bally down on the roof from above—like trash from an associate explosion or aircraft.

Happily, the roof is an integral part of the structure of your home, and then the domicile coverage section of your house owners' contract generally protects you from such perils. harm and destruction from such events qualify the homeowner for a complete or partial replacement of the roof. And yes you will still have to pay the deductibles before getting the coverage for the damage.

In order to get better coverage for your home’s roof, it is important to use the right amount of material as the insurer sends their inspector to inspect your house before selling you the home insurance policy and after their inspection only they sell you the home insurance policy.

How Can You Prevent Roof Problems?

It is the responsibility of the landowner to properly look after and maintain their roof, and to remember the life of various materials, which might vary from fifteen to one hundred years. householders can take different steps to assist defend their roof—like hiring licensed professionals to perform regular examinations.
Several roofing corporations can inspect a roof free within the hopes of earning future business (just don't be stunned if they realize tons of problems). ensure your roof is freed from dust and doesn't hold or collect water. Any trees touching or hanging over the roof ought to be cut back. If you reside in an area that is prone to fast winds, see that your home and roof are up to the present building codes.


In India usually homeowners do not purchase home insurance policies except the apartment owners. However, it is recommended by the homeowners living in the storm-prone areas to purchase the home insurance policy so that in case of a wind storm, a hail storm that could cause damage to the house or its contents then you could get coverage for it.

Written By: PolicyBazaar - Updated: 07 March 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.