What will my homeowner’s insurance cover?

Homeowners’ insurance typically covers wind and hail damage for your roof and vinyl siding.

Damage caused by lightning strikes and fire are also commonly covered. The only thing that isn’t quite covered with homeowners insurance is damage caused by earthquakes, but luckily we’re not at a huge risk for massive earthquakes here in Idaho Falls!

Policy Deductibles and Limits

Most homeowners insurance policies not only cover your dwelling but other structures on your property like sheds or garages. To get the most out of your insurance, estimate what it would cost to need to repair the roof for each structure on your property if a huge hail storm hits. Most policies have a deductible you’ll need to meet before the insurance kicks in and there might also be a limit to how much the insurance would cover. Typically, these ranges are adjustable and customizable to what situations are possible on your Idaho Falls home.

Free Quote with J&B Superior Exteriors in Idaho Falls

If you’re curious about how much money it would cost to replace or repair all of the roofs on your property in case of a disaster, J&B Superior Exteriors would love to give you a free quote. This quote not only will be helpful information in case of a disaster, but it’s also great to know when purchasing homeowners insurance coverage.