However, it's important to keep a level head and be persistent. That's the advice of Jean Bauer, family resource management specialist with the University of Minnesota Extension Service. Too often consumers don't read an insurance policy carefully for what's covered until they've incurred a loss. In general, homeowners' policies won't cover tree trimming or tree removal made necessary by a storm. Few policies cover flood damage whether flooding is caused by streams, torrential rain or sewer back-ups.
Water damage related to roof destruction usually is covered, however.
All of this is spelled out in your insurance policy document, Bauer says. Everyone wants quick resolution, but structural damage may include things that aren't immediately apparent. Be patient and thorough in having damage assessed. Once you cash an insurance check labeled 'full, final and complete settlement' you may have no recourse if you discover additional damage later. She advises consumers to keep careful records of storm damage and losses and to work closely with their insurance companies.