William Raveis R.e. & Home Services
Tatiana Diaz, William Raveis R.e. & Home ServicesPhone: (617) 320-1726
Email: [email protected]

Weather damage protection through homeowners insurance

by Tatiana Diaz 04/22/2024

Storm

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
Author

Tatiana Diaz

Putting Your Interests First! ....Understanding that not all real estate offices, or associates, are the same is very important when considering your choice of a professional to handle your purchase or sale. Marketing strategies, knowledge, experience, and customer service can vary greatly from one agent to the other. I am a long-time local resident and full-time real estate professional associated with the #1 sales office in the state. I have 16 years of experience in the real estate market and cover over 25 cities and towns throughout the South Shore & Metro Boston.I not only have a professional obligation to local homeowners and buyers, but a personal commitment to prove my reputation, dedication, and expertise in the real estate market as well as in our communities. You may be a neighbor, friend, PTA colleague, fellow parishioner, or perhaps we've just met. In any case, my goal is the same; to provide you with quality personalized service and to make your transition seamless with the best possible results for YOU!

Specializing in residential property throughout the South Shore including Stoughton, Sharon, Easton, Foxboro, Canton, Randolph, and Boston. Also experienced in residential & commercial investment property.