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Home insurance covers storm damage, but not the part you actually need
A breakdown of what's included, excluded, and extra in storm damage coverage.
The story
A Fortune article explains what home insurance typically covers regarding storm damage, including wind, hail, and lightning, but notes exclusions like flooding and sewer backups, and mentions separate deductibles in some areas.
Source: fortune.com
Our reading
Home insurance covers wind, hail, and lightning, but not flood or sewer backup—unless you pay extra. That’s not a loophole, it’s a menu.
So if a hurricane blows your roof off, you’re covered, but if the storm also floods your basement, you’re on your own. Unless you’ve paid for the ‘flood option’—which, surprise, isn’t included by default.
It’s like buying a car that comes with a spare tire, but not the tire itself.
