Does Georgia Homeowners Insurance Cover Hurricanes, Tornadoes & Severe Storm Damage? 

Georgia homeowners may face risks from tropical storms, tornadoes and other types of severe weather. At Kite Insurance Agency, we help homeowners understand what their insurance policy may cover and where additional coverage may be needed.

Understanding Wind and Hail Coverage

In many homeowners insurance policies, wind and hail damage from tornadoes and severe thunderstorms are standard covered perils. If a tornado damages your roof or a severe storm sends debris through your window, your policy may cover the cost of repairs. Some policies have separate windstorm deductibles calculated as a percentage, which can differ from those that apply to fire or theft claims.

The Hurricane and Tropical Storm Distinction

While wind damage from a hurricane may be covered, there are exceptions to keep in mind:

• Coastal homeowners can expect a separate hurricane or named storm deductible on their policy.
• Standard homeowners insurance does not typically cover damage from rising water or storm surges.
• You need a separate flood insurance policy if you want coverage for damage caused by rising external water.

Filing a Storm Damage Claim

If your home sustains storm damage, taking a few steps early can help move the process along:

• Document damage with photos or videos before making temporary repairs.
• Report the loss to your insurer as soon as possible.
• Keep receipts for emergency repairs or additional living expenses.
• Work with your adjuster as they assess the damage and make a decision regarding your claim.

Check your policy beforehand so you know how your deductibles may apply and what your insurer may require.

We Support Georgia Homeowners

Our team at Kite Insurance Agency is dedicated to helping you review your coverage and identify any gaps. Contact us today for a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.