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Basic homeowners policies do, however, typically pay for damage caused by winds — including broken windows, torn roofs and any interior damage from water falling into the home. Likewise, if strong winds blow tree limbs or entire trees onto a home, garage or shed. (If a tree falls onto a car, many comprehensive auto policies will cover the damage.)
But in many states on the East Coast, homeowners will have to pay a hefty deductible before homeowners’ insurance policies kick in — often 1% to 5% of the total amount the home is insured for — according to the Insurance Information Institute spokesman.
For next time Floods
Floods — defined by insurers as any water that rises from the ground, including tidal waves, as well as destruction from rapid snow melts — aren’t covered by traditional policies. To get reimbursed for water damage, homeowners would need additional flood insurance, which is provided by the federal government but can be purchased through an agent or insurance company. The average flood premium is about $600 annually, but rates go up to nearly $6,000 for the highest-risk coastal properties, according to the National Flood Insurance Program.
IF ANYTHING HAPPENS DON'T TALK WATER DAMAGE TALK WINDS
Homeowners who live in flood zones probably have this already: Many lenders won’t provide these home buyers with a mortgage unless they’ve signed up for flood coverage. These homeowners can rest (relatively) easy; if their home floods, flood insurance will pay for that damage.
But even homes outside these zones could be at risk of flooding, says a spokesman for the Insurance Information Institute. Without coverage, homeowners could end up paying thousands of dollars to clean up the damage. If you’ve reached for the phone to call your insurance agent, put it back down: It generally takes 30 days for a new policy to kick in. Separately, renters can also sign up to protect their belongings from flood damage; premiums cost at least $50 a year.
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