Natural Disasters Covered and Not Covered By Insurance

Most people have a homeowners and an auto policy, but most of us don’t know exactly what types of natural disasters are covered. So, what natural disasters DO these policies cover? In Massachusetts the most common types of storms we see are: snow and ice storms, thunder/lightening storms, hurricanes and hail storms. A homeowners policy covers most damage from these storms. The exceptions are flood damage and earthquake damage, these are not covered. If you want coverage for these disasters, you can buy a separate flood policy or if you want earthquake coverage you can add an endorsement to your homeowners policy for additional premium. Don’t try to add flood insurance right before a storm, as there is a 30 day waiting period before federal flood coverage is effective. A convenient chart was created by the Insurance Information Institute to quickly see the types of perils covered by a homeowners policy.


Under a homeowners policy if your house is struck by lightening and it catches fire, you will be covered up to the policy limits. What if heavy, wet snow causes structural damage to your roof? This is also covered under a homeowners policy, unless the damage was from lack of maintenance. For example, if you have an old deteriorating roof, that has missing and worn shingles and it is damaged from a storm, this might not be covered. As a homeowner, it is your duty to maintain your property to an adequate state. In 2009, 2013 and last August the area had hail storms that caused a lot of property damage to houses. These claims were covered. Watch the 2015 hail storm in Waltham, MA.

In regard to auto policies, if you have comprehensive coverage most of these physical damage claims will be covered. Check out this damage done by the hail last August to this man’s car: car hail damage. The car may be considered totaled after all the damage is assessed. All of this damage should be covered if he had comprehensive coverage on his Honda. If you have any questions about your homeowners or auto policy, please call us and we are happy to help!

Is Your Car Ready for Memorial Weekend Getaway?

Memorial Day signifies the beginning of summer. Everyone is ready to get back to the beaches and have cookouts. According to AAA, 88% of people are planning on driving to the fun on Memorial Day Weekend. If you are one of the many who are driving this week, make sure your car is ready for the trip.


– Check your Auto Policy. Is it active? Have you paid the premium? Do you have sufficient limits of liability? We recommend a minimum of $100K/$300K for line items #3, #5 and #12 on the policy.

– Have a tune up done on the car at least a week prior to departure. A tune up should find any issues with the car and make sure all fluids are sufficient.

– Check the tires. Use a pressure gauge to check the pressure. The recommended tire pressure is different for each car so check on the front door panel when you open the door or the owner’s manual.

– Know the cell phone laws in each state you will be driving through. Some states require hands free devices such as CT while other states don’t have a restriction such as MA.

– Have a windshield/dashboard GPS or a factory installed GPS, try not using a cell phone GPS as it is not safe to try to read a small phone while driving.

Have a fun and safe Memorial Day Weekend! We will be closed on Monday for Memorial Day and re-open Tuesday May 27th at 8:30.