## What Tennessee Homeowners Need to Know About Storm Season Coverage
Late summer in Nashville brings some of the most unpredictable weather of the year. Severe thunderstorms, damaging hail, high winds, and even tornadoes can strike with little warning — and the financial impact on your home can be significant.
### What Standard Homeowners Policies Typically Cover
Most standard homeowners insurance policies include coverage for wind and hail damage. This generally means:
– **Roof and structural damage** caused by high winds or hail
– **Personal property** damaged inside the home if the structure is compromised
– **Additional living expenses** if your home becomes temporarily uninhabitable
However, **flooding is almost never covered** under a standard homeowners policy. If heavy rainfall causes water to enter your home from the ground up, you would typically need a separate flood insurance policy.
### Common Gaps Homeowners Overlook
– Older roofs may be subject to actual cash value (ACV) settlements rather than full replacement cost
– Some policies carry separate wind or hail deductibles
– Detached structures like garages or fences may have limited sub-limits
### What You Can Do Right Now
Review your declarations page carefully. Confirm whether you have replacement cost or actual cash value coverage, and check your deductible amounts for wind and hail events.
Not sure what your policy says? The team at **Evertrust Insurance Agency** in Nashville, Tennessee is happy to walk you through your current coverage and help you identify any gaps.
📞 Call us at **(615) 719-3049**
🌐 Visit **evertrusttn.com**
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*Coverage is subject to policy terms, conditions, and eligibility. Information provided is for general educational purposes only and does not constitute legal or insurance advice. Evertrust Insurance Agency — Nashville, Tennessee.*
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