Protecting your home is important. That’s why you carry homeowner’s insurance in the first place. However, most insurers won’t cover some of the natural disasters your home may be exposed to, depending on where you live. It’s important to ensure that you’re making an informed choice when buying home insurance in the first place, as well as holding the insurer to task when there’s been a disaster. First, understand that there’s no one-size-fits-all answer. You’ll decide on the specific areas of coverage when you purchase your policy by selecting from those available from your insurer. That said, some of the most common natural disasters usually covered by homeowner’s insurance include the following: Wind Hail Lightning Wildfires Tornadoes Snow storms Volcanoes However, you’ll find that your policy may not cover some of the more important perils your home is exposed to. For instance, Florida homeowners who live in hurricane-prone areas are required by law to carry hurricane insurance, which is not included in most standard policies in the state. It’s only available as a separate rider that must be purchased individually. The same is true for earthquakes and floods. SInkholes are also not typically covered by homeowner’s insurance, although Florida residents have some protection if the sinkhole is severe enough that their home is deemed a total loss. The best course of action is to pay close attention when purchasing your homeowner’s policy. Ask questions about what’s covered, how much coverage is included, and what’s not covered. Make sure that all of your covered perils (the disasters that might affect your home) are listed in writing within the policy. If you’re currently dealing with a loss at your home, understand that the insurance adjuster sent out to your home by the insurer works for the company, not for you. It’s their responsibility to limit the impact of your claim to the insurer, not to protect you. Work with an experienced residential public insurance claims adjuster like On Target Claims – we hold your insurer accountable.