• Dan Frankel

Stormy weather FAQs

Updated: May 31

The weather forecast calls for stormy weather. You have everything from fresh milk to batteries and bottled water. But are you really insured against the storm?


The typical Homeowners Policy provides coverage to your home and other structures under an open perils policy, giving coverage for your loss unless a listed exclusion applies to the cause of loss. And while most policies cover wind damage, they only cover water damage that is a direct result of rain entering though a wind-damaged area. Huh?


We’ve put together a list of frequently asked questions, FAQs, that address most common situations. If your "What if...?" isn't listed, we'd love to hear your question.


Fallen trees

NOTE: These FAQs assume you have a standard, unendorsed home insurance policy, form HO-3. Most Acacia Insurance clients enjoy superior coverage, so be sure to contact us with specific details before assuming the limits of your coverage.

Q) One of my trees fell on my home during a storm. Do I have coveage for tree removal?

Q) One of my trees fell in my yard during a storm. Do I have coverage for tree removal?

Q) One of my trees fell during a windstorm. Do I have coverage to replace the tree?

Water, Hail, & Power Outages

Note: These FAQs assume you have a standard, unendorsed home insurance policy, form HO-3. Most Acacia Insurance clients enjoy superior coverage, so be sure to contact us with specific details before assuming the limits of your coverage.


Q) A recent storm left a hole in my roof and now rain is in the forecast. What can I do?

Q) My roof leaked during a storm. There is a stain on my ceiling and my couch is wet. Do I have any coverage?

Q) A hail storm came through the area. I saw "granules" from my shingles in the gutters and near my downspouts. Will my entire roof need to be replaced?

Q) My power is out due to a storm. May I stay in a hotel?

Q) My power is out and my food has spoiled. Do I have coverage?

Q) My house was flooded. Is there coverage?

Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.



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