How Homeowners Insurance Covers Structural Damage to Your Property

Temecula, CA, is a region where the weather can be erratic and tremors occur frequently. This means your home is at risk of experiencing structural damage from one or more of these events. At Friant Insurance Agency, we comprehend these risks that affect your home’s stability. Here’s an overview of how homeowners’ insurance covers structural damage and what to anticipate when making a claim.

Defining Structural Damage

This type of damage occurs when the structure of your home is affected by an adverse event such as a fire, an ice dam on the roof, or high winds and hail. The resulting damage renders your home unstable and sometimes uninhabitable until repairs have been made.

Deciphering Dwelling Coverage

Dwelling coverage is a clause in an insurance policy that outlines the damage it will cover, the maximum limit for replacement costs, and what isn’t covered. This clause won’t cover Certain types of damage, including flooding and earthquake damage. If your home suffers damage from an uncovered event, your insurance won’t cover the claim.

Repairing Your Home After Making a Claim

After your home has sustained structural damage, the first step is to arrange for temporary repairs. You can take the initiative to find a reputable contractor who understands what needs to be done to restore your home. Subsequently, you need to converse with the insurance adjuster about what happened and process a claim. Keep all the documentation related to the repairs at hand to show the claims adjuster.

Contact Us Today for the Coverage Your Home Requires

At Friant Insurance Agency, we’re familiar with the common types of natural events that can damage a home in Temecula, CA. It’s our responsibility to ensure you receive sufficient coverage to restore your home’s structure after a calamity and make it habitable again.