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What Types Of Storms Does Homeowners Insurance Cover In Landisville, PA?

Does Insurance Cover Roof Repairs And Roof
Replacement In Lancaster County?

Living in Landisville, PA, it’s essential to understand what types of storms your homeowners’ insurance covers. After all, protecting your home and belongings is crucial. But what about projects such as residential roof repairs? Do they fall under your insurance policy as well?

Pennsylvania experiences a wide range of weather conditions throughout the year. From thunderstorms and heavy rain to snowstorms and even an occasional hurricane, homeowners in Landisville, PA must be prepared for the unpredictable. However, many homeowners are unsure about the extent of coverage their insurance policies provide.

Having homeowners’ insurance is essential, but understanding its coverage is equally important. Storm damage can be costly, and knowing whether your insurance will provide financial assistance for projects such as asphalt roof repairs can alleviate some of the stress that comes with the aftermath of a storm. 

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Types of Storms Covered By Homeowners’
Insurance Policies in Landisville

Homeowners’ insurance policies in Pennsylvania typically cover damage caused by a wide range of storms, including hail, windstorms, lightning strikes, and tornadoes. Many types of storms can cause serious issues, especially damage that could leave a homeowner in need of new roofing or a roof replacement in Landisville:

  • Hurricanes are rare in the state but can still cause significant damage. That may seem impossible, but the truth is that since 1876, 51 hurricanes have impacted the state. In just the past two years, hurricanes Isaias and Ida caused damage to Philadelphia and the region surrounding the city. 
  • Tornadoes are another type of storm that can cause significant damage in Lancaster County, Pennsylvania. The state averages about 30 tornadoes per year, and they can vary in strength from weak to powerful EF3s. Tornadoes can tear off shingles and rip siding off homes. 
  • Thunderstorms are also a common weather occurrence in Pennsylvania. The state typically experiences about 30-40 thunderstorms yearly, most occurring between April and September. Though they may seem like less powerful storms than hurricanes and tornadoes, thunderstorms can still cause considerable damage to homes and property. 
  • Hailstorms are most likely during the late spring and early summer months. Hailstones can cause significant damage to homes, automobiles, and other property. Homeowners’ insurance policies usually cover hail damage.

Any of these storms can have high winds, lightning, flooding, etc. Understanding which issues will be covered by your homeowners’ insurance is crucial. Homeowners’ insurance typically covers most risks of physical damage to a property, including fire, smoke, theft, vandalism, hail storms, and windstorms. 

In addition to property damage, homeowners’ insurance might also cover liability claims arising from accidents or injury-related incidents on the property. This type of policy may also cover additional living expenses if the home is uninhabitable due to a covered event.

What’s Not Covered By Landisville
Homeowners’ Insurance?

Homeowners’ insurance typically does not cover certain types of damage, such as floods, earthquakes, and other natural disasters. Most policies also exclude damage caused by wear-and-tear or intentional destruction of property. 

  • Personal Items: Additionally, some homeowners’ insurance policies may not cover the cost of repairing or replacing items inside the home, such as furniture, clothing, and electronics. 
  • Deductibles: The deductible will also need to be covered by the homeowner. That is the amount the policyholder has agreed to pay out-of-pocket before their insurer will cover the remaining costs associated with repairing or replacing damaged property.
    Generally, higher deductibles mean lower premiums but can result in more out-of-pocket expenses if a storm damages your home. You should check your deductible to see how much will need to be covered for an asphalt roof replacement or installation. Our roofing contractors can work with you to get through this process.
  • Flood Plains: Homes in certain locations may also not be covered by regular insurance. Homes located near coastal areas or in flood plains may require additional coverage for storms such as hurricanes or floods, which may not be included in standard homeowners’ insurance policies. 

In addition, homes located in areas prone to severe weather, such as tornadoes or hail storms, may benefit from additional coverage provided by a separate storm insurance policy.

Does Homeowners’ Insurance Cover Residential
Roof Repairs In Lancaster County?

Yes, most homeowners’ insurance policies in Landisville, PA cover residential roof repairs caused by hail, windstorms, lightning strikes, and tornadoes. However, homeowners should understand that the policyholder is typically responsible for paying a deductible before coverage kicks in. Furthermore, some insurers may require an inspection of the damage before providing coverage.

It is also important to note that homeowners’ insurance policies typically exclude damage from snow, ice storms, and flooding. Therefore, if your home is located in a flood zone or prone to snow and ice storms, it may be necessary to purchase additional coverage for these events.

The Best Contracting Team Of Expert Roofing
Contractors Can Help In Lancaster County!

If you’re concerned about whether or not your insurance policy will cover your asphalt roof repairs, you may want to speak to someone at Best Contracting. 

Our group of roofing contractors is knowledgeable on the subject and eager to assist in any way possible. 

Trust us to help repair the damage when your home is affected by storms or other issues. Give us a call today at 717-283-4524 for your free quote in Lancaster County! 

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