Severe Weather Damage Scenarios


Major storms can be furious and frightening, and you need to focus on safety. If your area has seen a lot of damage, use caution. If you suspect structural damage or more flooding, don’t go inside. Find another place to stay until you’re confident it’s safe.

After the storm, restoration and repair should be next on your list. Below, learn about how various storm systems can cause damage.

Insurance Coverage

The amount you get from insurance depends on things like how much you pay in premiums and deductibles, the severity of harm to your property, your property’s condition and more.

Most severe storm damage events are considered acts of God, and that means that your insurance company can’t single you out for rate increases. But failing to file claims in a timely manner can make you ineligible for coverage, and neighborhood rates go up anyway following major weather events. Always always file claims immediately so you don’t end up paying more in future premiums without receiving benefits now.

Storms that cause property damage may lead to mold growth and much more.

  • Flood Damage: Flood water can get into your building’s foundation, ruin drywall, carpet and framing, lead to mold growth and much more.
  • Tornado and Tropical Storm Damage: Circular winds can completely destroy, like catastrophic damage to roofs, windows, siding and landscaping.
  • Wind-related Property Damage: This can harm structures, break windows, wreak havoc on trees and electricity hookups and more.
  • Hail Aftermath: Severe hail can cause shingle and siding damage, leading to long-term leaks and compounding damage.
  • Winter Storms: Blizzards can collapse roofs, break branches and power poles, and much more.

Seek Out a Trusted Damage and Remediation Professional

It’s an absolute must to repair the damage right away, but doing so can be dangerous. Before you do it yourself, work with your insurance agent. Get in touch with us for more information.