What Damage Does Home Insurance Cover?

By: Kevin Stone

Category: Home Insurance Coverage, Roofing

What Damages Does Home Insurance Cover?

What Damage Does Home Insurance Cover?

Many people are not sure which damages does home insurance cover. Well, sure, everyone knows if your house burns down in a fire accident, your insurance company will pay you something. But is that it? Well, not quite. The home isn't just bricks and stones. It is more extensive and complicated than that. And so in its insurance.

Not knowing your insurance's damage coverage puts you at a significant disadvantage. Because you might be withholding repairs or restoration works because you are not sure if the company shall pay for it. So, give the following a read to clear up any confusion.

What Damages Does Home Insurance Cover? 

Your Home Insurance covers the significant damages to the exterior or interior of your house due to accidents and some natural calamities.


Such accidents can result from fire, smoke, and robbers or thieves. Plus, if a non-resident of your home suffers an accidental injury on your property, the home insurance shall help you to bear the liability costs. Also, if a tree falls on your home and destroys your roof, home insurance shall take care of it too.

As for natural calamities, the events that a standard home insurance covers are mostly lightning, storms, and wind. 

Which items get coverage

Your home insurance has got your back for damages to your kitchen appliances, Heating and Cooling system, and furniture. In addition, outdoor items such as fencing, sheds, and garages also get coverage. Some insurance also covers swimming pools, outdoor grills, swing sets, etc.

Moreover, the insurance shall cover your damaged clothing and alternate residence for the time being. If a non-resident suffers injury on your property (dog bite, tree fall, stumbling) and takes legal action, the insurance company will help with legal fees.

Your home's roof is one of the most common areas that suffers damage in case of a weather event or accident. In this case, the insurer shall pay for the repair and restoration of your roof.

Your insurance company can also pay to fix leaks in your roof if the cause is an unfortunate weather impact. However, you will get no reimbursement if they find that the leak results from a lack of maintenance.

Damages That Home Insurance Doesn’t Cover 

Standard home insurance shall not cover weather events like floods and earthquakes. And in case of robbery or theft, it only covers the bare essentials. In other words, if your damages involve valuable jewelry, antique items, or artwork of your home, you cannot expect any reimbursement.

However, some insurances shall cover up to one thousand dollars worth of damages in jewelry. And if you are living in a locality prone to earthquakes or floods, you can get separate flood and earthquake insurance.

Your Insurance Claim Network: Get A Free Professional Inspection

You might have been withholding your repair works because you are unsure whether home insurance covers it. Also, there’s the question of extra costs and further maintenance. If your case is such, then the best thing is to have a professional inspection on your property.

Our "Your Insurance Claim Networks" team members are experts in residential and commercial roofing and storm damage restoration. So, why not enjoy the advantage of our free inspection and see what we can do for you?

Apart from insurance claims, you can always consider us to install the best roof for your home. Our leaders have long experience in the construction business. And they aim to provide you with the best service in the shortest budget possible.


Your home insurance mainly covers you for accidents. And these accidents can be both natural and human-made. However, insurance companies will try to pay you as little as possible. 

So it is essential to hire a restoration service which takes this situation into account.

ALERT: Recent Wind Storm in Northeast Ohio Opens the Door for Homeowners to Get Free Roof, Siding, and/or Gutter Replacement

ALERT: StormOpens Door For Roof Replacement

If you are a homeowner in Northeast Ohio, the recent wind storm may have damaged your roof, siding, and/or gutters. Read on to learn how you can get them replaced and paid for by your homeowner's insurance. Call 937-756-2124 or visit us at yourinsuranceclaimsnetwork.com for a free, no-obligation inspection.

A recent wind storm in Northeast Ohio has caused significant damage to residential properties, particularly to their roofs, siding, and gutters. As a homeowner, you may be worried about the condition of your roof, and you may be wondering how you can pay for repairs or replacements. Fortunately, there is a way to get your damaged roof, siding, and gutters replaced and paid for by your homeowner's insurance, provided that certain conditions are met.

At Your Insurance Claims Network (YICN), we specialize in helping homeowners navigate the complex process of insurance claims for storm damage. We can assist you in filing your insurance claim and negotiating with your insurance company to ensure that you receive the maximum compensation that you're entitled to. Our team of experienced and knowledgeable professionals can guide you through every step of the process, from the initial inspection to the final settlement.

How the Process Works

If your home has been damaged by the recent wind storm in Northeast Ohio, the first step is to contact YICN to schedule a free, no-obligation inspection. Our team will assess the damage to your roof, siding, and gutters and determine whether it meets the criteria for an insurance claim. If it does, we'll assist you in filing the claim and provide you with an estimate of the costs for repairs or replacements.

Once your insurance company approves the claim, we'll work with them to ensure that you receive the full compensation that you're entitled to. We'll handle all the paperwork and negotiations on your behalf, so you don't have to worry about dealing with the insurance company. Our goal is to make the process as smooth and stress-free as possible for you, so you can focus on getting your home back to its pre-storm condition.

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