Kansas has experienced a wide range of storms in recent years, including tornadoes, strong winds, flooding, hail, and severe winter weather. These events have caused significant damage, making it essential to have the right type of insurance to protect your home and belongings. Home insurance is crucial for any Overland Park, KS, homeowner who wants to safeguard their dwelling against storm damage, but it doesn’t cover every type of severe weather.

What’s Covered?

Home insurance typically covers many types of storm-related damage, such as lightning, high winds, and tornadoes. It also generally insures against losses caused by large hail, although cosmetic damage may be excluded. If lightning or strong winds cause a tree to fall and hit your residence, home insurance will usually cover the damage. Additionally, the removal of the fallen tree is often covered, and tree replacement may be included, though limits and deductibles apply.

What Isn’t Covered?

Home insurance generally doesn’t cover storm damage resulting from a lack of maintenance. For example, it won’t protect you from losses caused by an old, deteriorating roof that leaks during heavy rain. Home insurance also doesn’t cover flooding; you’ll need a separate flood insurance policy for that. Similarly, it won’t cover damage to cars or recreational vehicles, even if they’re parked in your driveway. To protect vehicles during a severe storm, you’ll need comprehensive auto or RV coverage.

Fortress Insurance Agency offers reliable home insurance as well as other types of policies that can be helpful after storms, such as flood, auto, and RV coverage. Our local independent agency in Overland Park, KS, helps customers compare policies from multiple insurers to find the most suitable coverage. To request a quote or get answers to your insurance questions, contact Fortress Insurance Agency by calling 402-201-6931 today!