During storms, winds can whip through causing a ton of damage throughout your neighborhood. Sometimes, it can be so bad that you might find your neighbor’s belongings on your property. It’s not too terrible when you find something small like laundry that had flown off the clothes line or a random patio umbrella. They are easy to return to their rightful owners without taking much time out of your day.
But what about those times when that flying debris causes actual problems? That umbrella may have made its way to your backyard, but it could have hit every window in your home on its way to its final destination. Or it may have scraped the side of your car on its journey. Who is liable for that type of damage?
As mad as you might get at your neighbors for leaving their things out during a storm, you might need to find another outlet for dealing with your anger. If your home is damaged from flying debris during a storm, it is you that will need to file a claim on your own homeowners insurance policy. The good news is it will be covered. That is why it is always recommended that you buy homeowners insurance, even if you are not required to have it. You never know when these types of claims can arise. The way Mother Nature has been throwing storms out lately, it could happen any time.
A bit of advice: if your home is damaged after a storm, submit a claim as quickly as you possibly can. Remember everyone else in your area just went through the same storm and may have similar claims to yours. You will want to beat the rush on insurance claims. Also, before the next storm make sure you bring in everything that could fly around and cause damage outside. Advise your neighbors to do the same.