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What Kind of Storm Damage Does Insurance Usually Cover?

Last updated October 26, 2026

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The short answer

Wind and Hail Damage

Wind and hail are among the most common storm perils that homeowners insurance policies typically cover. If a storm tears shingles off your roof, breaks a window, or damages your siding, your policy may help pay for repairs. The same often applies to damage from fallen trees or branches, as long as they hit your home or another structure on your property.

Keep in mind that coverage can vary by state and by policy. Some policies have separate deductibles for wind and hail, especially in coastal areas. Read your policy documents or ask your insurance agent about your specific deductible and limits before a storm hits.

  • Roof damage from wind or hail
  • Broken windows and doors
  • Siding or exterior wall damage
  • Damage from fallen trees or branches
  • Damage to detached structures like a garage or shed

Lightning and Power Surge Damage

Lightning strikes can cause fires, electrical surges, and damage to appliances and electronics. Most standard homeowners policies cover lightning damage to your home's structure and your personal belongings. If a storm knocks out power and a surge damages your refrigerator or computer, that may also be covered, depending on your policy.

However, some policies limit coverage for electronics or require a separate rider for full replacement value. Document any damaged items with photos and keep receipts. Your insurance company decides what is covered, so review your policy for specific exclusions.

  • Fire damage from a lightning strike
  • Electrical surge damage to appliances
  • Damage to home electronics
  • Damage to your home's wiring or electrical panel

Rain and Water Intrusion

Water damage from rain is a tricky area. If wind damages your roof and rain enters through that opening, the resulting water damage is often covered because the wind caused the opening. But if water seeps in through a cracked foundation or a poorly sealed window without a storm-related cause, coverage may be denied.

Flooding from storm surge, rising rivers, or overflowing bodies of water is typically not covered by standard homeowners insurance. You need a separate flood insurance policy for that. If you live in a flood-prone area, check with your insurance company about flood coverage options.

  • Water damage from a wind-created roof opening
  • Water damage from a broken window during a storm
  • Water damage from a damaged door or siding
  • Water damage from a sewer backup (if caused by a covered peril)

What Is Usually Not Covered

Standard homeowners policies usually do not cover flooding from external sources like storm surge, tidal waves, or overflowing rivers. They also may not cover damage from groundwater seeping into your home's lowest level or crawlspace. Mold and mildew damage that results from a slow leak or long-term moisture may be excluded as well.

If you have a separate flood policy, it may cover flood damage but often has its own limits and deductibles. For any storm-related water damage, act quickly to prevent further issues. Dry out your home, remove wet materials, and document everything with photos. Your insurance company decides what is covered.

  • Flooding from storm surge or rising water
  • Groundwater seepage through foundations
  • Sewer backup (unless you have a rider)
  • Mold from a slow leak or neglect
  • Damage to detached structures if not listed in your policy

Steps to Take After a Storm

After a storm, your first priority is safety. Check for downed power lines, gas leaks, or structural hazards. If you feel unwell or are injured, see a doctor. Take photos and videos of all damage before you start cleaning up. This documentation helps your insurance claim.

Make temporary repairs to prevent further damage, like covering a broken window with plywood or tarping a damaged roof. Keep all receipts for materials you buy. Contact your insurance company to file a claim, and ask about coverage for temporary housing if your home is uninhabitable. Policies vary, and your insurer decides what is covered.

  • Document damage with photos and videos
  • Make temporary repairs to prevent further damage
  • Keep receipts for materials and supplies
  • Contact your insurance company to file a claim
  • Ask about coverage for temporary housing

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Call (757) 665-2121 any time, day or night, and describe what happened.

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Frequently asked questions

Does homeowners insurance cover damage from a hurricane?

Hurricane coverage depends on your policy. Wind damage from a hurricane is often covered, but flood damage from storm surge is not. Some coastal states have a separate hurricane deductible. Check your policy or ask your insurance agent about your specific coverage and deductible.

What if a tree falls on my house during a storm?

If a tree or branch falls on your home during a storm, your homeowners policy may cover the damage to your house and the cost to remove the tree, up to your policy limits. If the tree falls without damaging a structure, removal may not be covered. Always document the scene and file a claim.

Should I file a claim for minor storm damage?

Consider whether the cost of repairs exceeds your deductible. Filing a claim for very minor damage may raise your premiums. For significant damage, file a claim promptly. Document everything and keep records. Your insurance company decides what is covered and what your payout will be.

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