Does Your Insurance Plan Cover Flood and Storm Damage?

ADVICE Josh Taylor. September 25, 2025

Southern California homeowners are often uncertain about storm damage coverage. Let's clear things up.

Rain and Wind Damage: If you've encountered a leak or tree damage from rain or wind, your insurance likely covers it.

Flood Damage: This is a different story. Most policies don't cover flooding unless you specifically have flood insurance.

Pro Tip: Regularly check with your insurance agent to ensure your coverage aligns with current market changes.

Home Insurance and Weather-Related Damage:

Hail: Typically covered.
Wind (including tornadoes and hurricanes): Check your policy's details.
Wildfires: Often covered, but it can vary based on location.
Lightning: Usually covered.

What's Typically NOT Covered:

Floods: You'll need specialized flood insurance.
Earthquakes: In some states, you might need a separate policy.
Hurricane and Windstorm Deductibles: These may differ from standard deductibles, so review your policy.

How Insurance Covers Severe Weather Damage:

Wind and Hail Damage: Generally covered, but always check the specifics of your policy.
Water or Ice Damage: Covered inside your home, but yard flooding requires separate flood insurance.
Lightning Strike: Covered under most standard policies.

Pro Tip: Comprehensive coverage on your vehicle's insurance can cover weather-related damage to cars, motorcycles, RVs, or boats.

Tips for Protecting Your Property:

Check Your Policy: Understand your coverage limits and exclusions.
Be Proactive: Don't delay purchasing necessary protection.
Choose the Right Deductible: Be prepared for the deductible costs; review your options carefully.

Filing a Weather-Related Claim:

If you experience home damage due to severe weather, contact your insurer immediately. Document the damage and consider getting a professional quote if it exceeds your deductible.