Protecting your Harrison, AR, residence when severe storms hit is an essential part of your home insurance. Yet, understanding what’s covered can be confusing, even when you read your policy. Foresee General Insurance Agency Inc. can help you understand what coverage your home policy provides for wind, hail, and storm damage.

Relax, You are Covered

Homeowner’s insurance generally covers wind, hail, and storm damage to home structures such as the roof, siding, and windows. Normal wear and tear is not covered. Some policies may require a specific event, like a named storm, to trigger certain types of deductibles. Many insurers now specify higher deductibles for these incidents. Depreciation can also reduce the total payout, so you may have out-of-pocket costs, even when you meet the deductible.

Covered Items

Most standard policies will pay for damage to the roof, siding, and windows. For fences and similar property, you’ll receive coverage under the "other structures" provision of your policy. Payment typically is at actual cash value, which accounts for depreciation. Coverage for damage from wind, hail, and storms can also extend to clearing fallen trees and branches, as well as to catastrophic damage such as a collapsed roof.

Common Exclusions

Although the storm provision of your policy covers water damage, it is limited in scope. Water must have entered your home through a broken window or a roof breach caused by the storm. Water damage from floods caused by catastrophic rain is not covered. The same applies to storm sewer drain backups. You must have a separate endorsement or an insurance policy for flood and drain backup losses.

Every residence in Harrison, AR, has different needs. Contact the agents at Foresee General Insurance Agency Inc. to find a home insurance policy that provides complete protection from storms and other perils.