## Storm Season Is Here — Is Your Coverage Ready?
July in Nashville means heat, humidity, and unpredictable severe weather. Thunderstorms, hail, high winds, and even tornadoes can roll through Middle Tennessee with little warning. But when the storm clears and the damage is done, do you really know what your homeowners insurance covers?
### What’s Typically Included
Most standard homeowners policies cover damage caused by wind, hail, and lightning. This can include roof damage, broken windows, and structural harm to your home. Personal property inside your home may also be covered if damaged by a covered peril.
### What’s Often Excluded
Flooding is one of the most misunderstood exclusions. Standard homeowners policies **do not** cover flood damage — that requires a separate flood insurance policy. Sewer backup and water damage from ground seepage are also commonly excluded.
### Why Policy Details Matter
Coverage limits, deductibles, and exclusions vary significantly between policies. A named-storm deductible or a separate hail deductible may apply depending on your specific policy terms.
### Review Your Policy Before You Need It
Don’t wait for damage to happen before reading your policy. Understanding your coverage now can save you significant stress and out-of-pocket costs later.
The team at **Evertrust Insurance Agency** in Nashville, Tennessee is happy to help you review your current homeowners coverage and identify any potential gaps.
📞 Call us: **(615) 719-3049**
🌐 Visit: **evertrusttn.com**
—
*Disclaimer: Coverage descriptions are general in nature and for educational purposes only. Actual coverage is subject to policy terms, conditions, exclusions, and eligibility requirements. Please consult your policy documents or speak with a licensed agent for details specific to your situation. Evertrust Insurance Agency is licensed in Tennessee.*
Photo by Library of Congress on Unsplash