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Storm clean-up-what does that mean for your awning?

Did you know that usually your awning is covered under your home owners insurance?  Check with individual insurance companies to confirm the coverage provided by their policies. However, most companies follow similar standards of protection for homeowners.  The following perils are commonly covered:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Volcanic eruption
  • Falling object
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance.
  • Sudden and accidental tearing, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system.
  • Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance.
  • Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

Notice how many of these items can pertain to your awning?  Don’t put off fixing your awning during clean up.  So ask about your policy including your awning when you call your insurance company for clean up after a storm.

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