Spring in Salt Lake City brings warmer temperatures, blooming flowers—and unpredictable storms. From high winds and heavy rain to hail and even late-season snow, spring weather can take a toll on your home.
The question is: Does your home insurance policy have you covered?
What Does Home Insurance Typically Cover?
A standard home insurance policy generally provides protection against many types of spring storm damage.
However, coverage details can vary, so it’s important to understand what’s included in your policy:
- Wind and Hail Damage – If strong winds or hail cause roof damage, break windows, or bring down trees onto your home, your insurance should cover repairs.
- Water Damage – Rain-related damage is typically covered if the water enters due to storm-related issues, such as a damaged roof. However, standard home insurance does not cover flood damage from rising groundwater or overflowing rivers.
- Lightning and Fire Damage – If a storm causes a fire or an electrical surge that damages your appliances, your policy will likely cover repairs and replacements.
- Falling Trees and Debris – If a storm knocks over a tree and it damages your house, garage, or fence, insurance should help pay for repairs.
What’s Not Covered?
While home insurance offers broad protection, there are some common exclusions that homeowners should be aware of:
- Flooding – Standard home insurance does not cover flood damage. If your area is at risk for spring flooding, a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer is necessary.
- Gradual Water Leaks – Insurance may deny the claim due to lack of maintenance if your roof has been leaking for months and finally collapses.
- Sewer Backup – Heavy rains can lead to sewer or drain backups, which aren’t always included in standard home insurance. An endorsement can be added for extra protection.
How to Prepare for Spring Storms
Taking proactive steps to safeguard your home can help minimize damage and ensure a smoother claims process if something happens.
- Inspect Your Roof – Look for missing or damaged shingles and get repairs done before storms arrive.
- Trim Trees and Secure Outdoor Items – Remove weak branches and secure patio furniture to prevent damage from strong winds.
- Check Your Sump Pump – If your basement has a sump pump, test it before heavy rains to avoid water damage.
- Review Your Policy – Make sure you understand your coverage limits, exclusions, and deductibles before a storm hits.
Filing a Salt Lake City Insurance Claim After a Storm
If your home sustains storm damage, act quickly to document the situation and start the claims process:
- Take Photos – Take photos and videos of the damage before making any temporary repairs.
- Prevent Further Damage – Cover broken windows or holes in the roof to avoid additional loss.
- Contact Your Insurance Provider – File a claim as soon as possible and provide all necessary documentation.
Stay Protected This Spring
Spring storms are unpredictable, but your home insurance coverage doesn’t have to be. If you’re unsure whether your current policy protects you from storm damage, the team at ASA Insurance is here to help.
Contact us today for a free policy review to ensure your home is ready for whatever spring brings.
