Severe storms have become increasingly intense in Buford, GA over the past decade, prompting homeowners to question what their home insurance covers. While most insurance carriers include coverage for several weather-related risks as part of their standard policies, some require additional coverage through riders or separate policies. If you’re concerned about protecting your home from storm damage, Town & Country Insurance is here to help.

Standard Storm Damage Covered by Home Insurance

Most home insurance policies cover common weather-related risks. Buford, GA, experiences numerous severe thunderstorms each year, and damage caused by wind, fallen trees, and large hail is typically included in standard homeowners’ insurance coverage. Additionally, winter weather in Georgia can lead to excessive ice buildup, resulting in ice dams on roofs and overflowing gutters that may damage walls and foundations. Ice, wind, and hail are among the most commonly covered risks. However, water damage from liquid water remains one of the most frequent concerns.

Understanding Water Damage Coverage

Home insurance policies cover certain types of water damage caused by storms, but the source of the water determines whether your carrier will provide compensation. For example, water damage caused by a roof breach during a tornado or a windstorm that breaks windows and drenches interior rooms is typically covered. However, damage caused by flooding is not included in standard home insurance policies. To protect against flood damage, you’ll need to purchase a separate flood insurance policy, which covers losses regardless of the flood’s cause.

Ensure your home is fully protected from storm damage by contacting the experts at Town & Country Insurance, serving Buford, GA. Call our office today to get started on your policy.