What damage does homeowners insurance cover after a windstorm?
Would our insurance cover damage on my property caused by a windstorm? My fence is broken and a swing set we had is also damaged.
“Both forms of homeowners insurance consider windstorms or hail a covered peril. Since your fence was damaged by the windstorm, you’d be able to submit a claim to your insurance.
You may also be able to submit a claim for your swing set, but it might be harder to get coverage for it. You’ll need to find out whether your insurance company would classify it as another structure or personal property.
You will either receive actual cash value or replacement cost for the damages done to the fence and swing set, if covered. Actual cash value will be the items’ worth minus depreciation.
Replacement cost does not include depreciation.
An agent with your insurance company will be able to provide you with the necessary information to file a claim as well as your policy conditions.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
What is a normal cost of home insurance for a house worth $200,000?
How can we estimate the cost of home insurance? We are looking to purchase a home and are trying to figure out what the cost of our insurance will be. Is there a way to tell?
Jul 20, 2021
Does home insurance cover water damage if it damages something we just had repaired?
If our roof starts leaking after bad weather, would our insurance cover the damage to the insulation? We just had new insulation put in our attic.
Jul 20, 2021