Storm Season Smarts: Is Your Home Insurance Ready?
August is prime time for summer storms in Maryland, bringing everything from torrential downpours and flash floods
to high winds and unexpected power outages. And while you may have your flashlight, batteries, and bottled water
stocked, is your home insurance policy prepared to weather the storm?
If you’re unsure, you’re not alone. Many homeowners assume their policy covers “storm damage,” only to discover the
fine print tells a different story when it’s time to file a claim. Before the next storm hits, let’s break down how
to make sure your home insurance coverage is up to the task – and what to check for now to avoid a costly surprise later.
Understanding Storm Damage Insurance: What’s Typically Covered?
Most standard homeowners insurance policies do offer some protection against weather-related claims, but it’s important
to understand what’s included – and what might be excluded.
Generally covered storm-related events include:
- Wind and hail damage (including roof, siding, and windows)
- Falling trees or branches
- Lightning strikes and resulting fires
- Damage from the weight of ice or snow
- Water damage from rain – if it enters due to a covered peril (like a damaged roof)
If you’re not sure what your policy includes, this is a great time to give us a call and review your specific coverage.
What’s NOT Usually Covered: The Fine Print That Matters
Here’s where many homeowners get caught off guard: not all types of water or storm-related damage are covered by default.
You may need additional policies or endorsements for:
- Flooding from rising water (this usually requires separate flood insurance)
- Sewer backup or sump pump failure
- Gradual leaks or damage due to lack of maintenance
- Power outage losses, like food spoilage or electronic damage, if not caused directly by a covered peril
Even if you’ve never experienced a major storm before, our changing weather patterns mean it’s smart to prepare for the unexpected.
3 Things to Check in Your Current Policy Today
If you want to make sure your policy is storm-ready, review these three key areas:
1. Your Deductible
Many policies have a higher deductible for wind or hail damage. Make sure you know what you’ll be responsible for
paying out-of-pocket before your insurance kicks in.
2. Replacement Cost vs. Actual Cash Value
A replacement cost policy pays to rebuild or repair your home with materials of similar kind and quality,
while actual cash value subtracts depreciation. For major storm damage, this distinction can make a huge difference.
3. Coverage Limits
Are your dwelling and personal property limits high enough to fully rebuild your home or replace your belongings?
Consider increasing your limits if home values in your area have gone up.
Bonus Tip: Do a Quick Home Inventory
In the event of a storm damage claim, having a record of your belongings can speed up the process—and improve your payout.
Take photos or videos of each room, including big-ticket items like appliances, electronics, and furniture.
Store this record digitally or in a safe place.
Add These Coverages for Extra Protection
Want peace of mind all storm season long? You may want to talk to us about adding or reviewing:
- Flood Insurance (especially if you’re in a flood-prone area)
- Sewer Backup Coverage
- Equipment Breakdown or Power Surge Protection
- Scheduled Property Riders (for high-value items like jewelry or collectibles)
Let’s Make Sure You’re Covered Before the Clouds Roll In
At Famous & Spang Insurance, we believe being proactive beats being reactive – especially when it comes to protecting your home.
Our experienced agents will help you review your current policy, identify potential gaps, and recommend smart, affordable
solutions tailored to your unique needs.
Contact us today to schedule a free policy review or get a no-obligation quote. Don’t wait for the thunder to rumble – make sure your home insurance is storm-season ready now.
Serving families and homeowners across Harford County and beyond.
Call us at 410-272-2300
Visit us at famousspanginsurance.com
