Stormy Weather FAQs
The weather forecast calls for stormy weather. You have everything from fresh milk to batteries and bottled water. But are you really insured against the storm?
The typical Homeowners Policy provides coverage to your home and other structures under an open perils policy, giving coverage for your loss unless a listed exclusion applies to the cause of loss. And while most policies cover wind damage, they only cover water damage that is a direct result of rain entering though a wind-damaged area. Huh?
We’ve put together a list of frequently asked questions, FAQs, that address most common situations.
NOTE: These FAQs assume you have a standard, unendorsed home insurance policy, form HO-3. Most Ellis Insurance clients enjoy superior coverage, so be sure to contact us with specific details before assuming the limits of your coverage.
Water, Hail, & Power Outages
An inspection of the roof may be required to determine whether there has been any covered damage to the roof and, if so, what method of repair may be necessary. Methods of repair range from the replacement of damaged roof parts and individual shingles to the replacement of a damaged slope.
The HO‐3 Policy does not provide food spoilage coverage in the event of a widespread power outage. However, endorsements are available which provides limited coverage, subject to a special deductible, for spoilage caused by off‐premises power outages or by mechanical failure of a freezer or refrigerator.