Indeed, home insurance usually covers storm-caused fire damage; nevertheless, there are some crucial things to take into account. Usually incorporating protection against damage from fires—including those resulting from storms—a regular home insurance policy also covers whatever the cause of the fire is, whether lightning, electrical surges, or another storm-related element.
Strikes from lightning are among the most often occurring causes of fire damage during storms. Lightning striking a house could start fires in the building, seriously damaging it. Under this situation, a homeowners insurance policy's "dwelling coverage" section typically covers the fire damage. Including walls, roof, and foundation, this part of the coverage helps cover repairs or reconstruction of the structure itself.
Another danger is fire damage brought on by storm-related electrical surges. When lightning strikes power lines or transformers, a power surge results and suddenly shocks the electrical system of your house. Electrical fires, which most home insurance policies also cover, can follow from this. Check the specifics of your policy, though, as some insurers may provide optional coverage for damage to appliances or devices caused by power surges.
Apart from house coverage, home insurance usually offers personal property coverage. This part of the policy replaces or fixes personal items such as furniture, clothes, electronics, and other goods damaged or destroyed in the fire. Review your policy and think about extra coverage if you have valuable items, though, as coverage restrictions for personal property could apply.
Though most storm-caused fire damage is covered, maintenance-related problems might not be. For instance, the insurance can deny the claim alleging negligence in tree maintenance if a fire arises because a tree neglected during a storm falls on a power line. In the same vein, should the electrical system of a house be antiquated or not up to code, the insurance company may cut or refuse the claim should that help to explain the fire.
Should a storm-related fire strike, homeowners should respond fast. Check everyone's safety in the house first. Then, call emergency services. Document the damage completely with pictures and videos once the fire is under control, then get in touch with your insurance company to begin the claims procedure.
Generally speaking, home insurance covers storm-caused fire damage; still, policyholders should examine their plan to be entirely covered.