Typically, the average homeowners insurance policy will cover about $500 worth of tree removal. That means that even if you had several trees fall on your property, the insurance company will only hand over up to $500. Still, it’s helpful when facing all of the financial repercussions of a bad storm.

To find out how much of the storm damage restoration your insurance policy covers, you’ll need to call your agent and speak with them about the specifics. You might want to check under the “dwelling” section of your insurance documents to see what’s listed there.

Insurance is a bit tricky to understand when it comes to water damage. Generally, your policy will not insure you against damage caused by flooding. You’ll need to obtain a specific kind of insurance from the National Flood Insurance Program as an additional policy. Furthermore, if water seeps into your home, you might not be covered by your insurance.

Typically, your policy will automatically provide at least some coverage for the following types of storm damage:

 - Water and ice damage

 - Lightning strikes

 - Power surges

 - Wind

 - Hail

 - Fallen Trees

Still, it’s always best to double check with your insurance company so that you understand the specific details of your policy. Don’t assume things have been covered until your insurance agent confirms it.

We know storm damage can be overwhelming. That’s why the team at Restoration 1 of Central Maryland is standing by 24/7 to help local residents recover and deal with their insurance companies. Our experts will speak with your adjuster and conduct a thorough inspection of the home so that you get the coverage you deserve. To learn more about dealing with insurance or to schedule a restoration project, call today.