Monsoon Season in Arizona: Does Your Homeowners Insurance Cover Storm and Hail Damage?

Arizona’s monsoon season can bring heavy rain, high winds and hail that may damage your home. It’s important to understand what your homeowners insurance may cover and any potential coverage gaps. At Bosway Auto Insurance Group, we can help you find the right coverage options.

What Does Homeowners Insurance Typically Cover During Monsoon Season?

Most standard homeowners insurance policies may cover the following:

• Wind and hail damage: Damage to your roof, siding, windows and other parts of your home caused by strong winds or hail may be covered.
• Rain damage: If rain enters your home through a storm-created opening, such as a broken window or a damaged roof, your policy may help cover repairs.
• Personal property: Belongings damaged by covered perils, such as wind or hail, may also be covered.

Potential Gaps in Coverage

While some storm-related damages are covered, there are some common gaps to be aware of:

• Flooding: Most homeowners policies do not cover flood damage, even if it’s caused by heavy rain during a monsoon. Separate flood insurance is usually required.
• Maintenance issues: Damage resulting from lack of maintenance, such as pre-existing roof leaks, is typically not covered.
• Sewer backup: Water damage from sewer or drain backups may not be included unless you have added specific coverage.

How to Prepare Your Home for Monsoon Storms

Before monsoon season, you can take steps to reduce potential storm damage:

• Inspect your roof for damaged or missing shingles.
• Clear gutters and downspouts of leaves and debris.
• Secure outdoor furniture and other loose items.
• Trim trees and branches near your home.

Our Team Can Help

Contact Bosway Auto Insurance Group today to discuss your insurance options and request a no-obligation quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.