Living in Fort Myers, FL means enjoying beautiful coastal views—but it also means being prepared for hurricane season and unexpected storms. One of the most common questions we get at All Service Adjusting is: What kind of storm damage does my home insurance actually cover?

Typically Covered Storm Damage

Most standard homeowner insurance policies will cover sudden and accidental storm-related damage, including:

✅ Wind Damage
This includes shingles torn off your roof, broken fences, damaged siding, and fallen trees or branches that cause structural damage.

✅ Hail Damage
If a hailstorm damages your roof, windows, or gutters, insurance usually covers repair or replacement.

✅ Lightning Strikes
Fire or power surges caused by lightning are typically covered. This includes damage to electrical systems and appliances.

✅ Water Damage (from Rain or Wind)
Water that enters through a storm-damaged roof or broken window may be covered—as long as it wasn't due to lack of maintenance.

✅ Fallen Trees
If a tree falls on your home or other insured structures due to a storm, removal and repairs are generally included.

What’s Not Typically Covered

❌ Flooding from Storm Surge or Rising Groundwater
You’ll need a separate flood insurance policy for damage caused by storm surge, flash floods, or rising water.

❌ Gradual Wear and Tear
Insurance does not cover damage from lack of maintenance, old roofs, or pre-existing issues.

Get a Public Adjuster on Your Side

If you’ve experienced storm damage, don’t go it alone. All Service Adjusting in Fort Myers helps homeowners get the most out of their insurance claim—ensuring nothing gets overlooked and that you’re compensated fairly.