What’s Covered in a Natural Disaster?

As May rolls in and we welcome longer days and warmer temperatures, it’s also time to prepare for the storm season that comes with it. While summer brings plenty of sunshine, it also carries the risk of severe weather events like tornadoes, hurricanes, and wildfires. At FCI Agency, our team of trusted advisors is here to help you navigate your homeowners insurance and make sure you’re protected no matter what Mother Nature sends your way.

1. Natural Disasters: What's Typically Covered

Good news—your standard homeowners policy provides coverage for many major natural disasters. Events like tornadoes, hurricanes, and wildfires are typically included, giving you peace of mind when the weather turns. If you’re unsure what’s listed in your policy or how to file a claim should damage occur, one of our advisors would be happy to walk you through it.

2. What’s Not Covered (and How to Fix It)

While homeowners insurance offers broad protection, there are some key exclusions to be aware of. For instance, earthquakes are usually not covered under standard policies, but they can be added with a special endorsement. Flooding, however, requires a separate flood insurance policy. Remember, it’s considered flooding when water comes in the home from the outside. If you live in an area prone to flooding, your mortgage may require additional flood insurance. If you don’t but would rather not risk it—reach out to us to discuss the right additions to your coverage.

3. When in Doubt, Ask an Advisor

If you're not sure what's covered under your current policy, or if you’re considering adding protection for specific risks, now is the perfect time to check in. Our advisors at FCI Agency are here to make the complex world of insurance easy to understand—and even easier to customize to your needs.

Storm season might be unpredictable, but your insurance coverage doesn’t have to be. If you have questions about what your homeowners policy includes—or if you’re ready to explore coverage for earthquakes, floods, or any other gaps—contact FCI Agency today. We’re always here to help you feel confident and covered, no matter the weather.