Flooding — Generally, flooding caused “from above”, i.e. heavy rain through a hole in your roof will be covered by your homeowner’s insurance. Alternatively, flood damage “from below”, i.e. through the basement walls, is not covered. Water damage “from below” is covered by flood insurance and policies are available through National Flood Insurance.
Trees — Fallen trees or limbs may cause damage to your property. This damage and debris removal should generally be covered in a homeowner’s policy. Should a tree fall from a neighbor’s yard and cause damage on your property, you should still file a claim through your insurance company. Your insurance company will reimburse you and may subsequently make a claim against your neighbor’s insurance provider.
Personal property — Although not part of the dwelling, many homeowners’ policies include coverage for personal property damage. The amount of coverage for personal property damage is limited to a certain dollar amount. It is best to read your policy to determine your level of coverage.
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bHomeowners insurance ratings/b
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