Weather is one of many uncertainties that all homeowners live with. It doesn’t seem to matter where in the country you live, north, south, east, west or in the heartland, all of them have their own weather-related issues. Some of them are covered under most home insurance policies, others almost never are and some may be covered with an endorsement. Talking to an expert can help you to understand which policy and provider are the best for your particular situation. If you live in or near Rochester, MN Safechoice Insurance Agency is happy to sit with you and go over all the options.

Rain is a weather event that most parts of the country have to deal with. Rain may be accompanied by thunder and lightning. If your home is struck by lightning and is damaged as a result, that damage is covered. If the rain is frozen and comes down as hail, the damage caused will be covered by a home insurance policy. The snow that causes damage to your roof or freezes causing ice dams is also covered. However, if the rain is torrential and causes a mud or landslide, the damage caused to your home will not be covered by homeowners insurance.

The wind is one of the major weather events that can cause damage to your home. It may come in the form or a hurricane, a tornado or just a severe wind storm. It can cause trees to fall on your home, rip the roof right off of your home and even tear your home right off of your foundation.

Flood damage is not covered under a typical home insurance policy. In order to have coverage, you need to either have a flood rider added to your policy or purchase Federal Flood Protection Insurance.

Weather can be unpredictable and can cause major damage to your home. To make sure that you have the coverage that you need, call Safechoice Insurance Agency in Rochester, MN. They will be able to help you with any questions you may have.