When a storm hits your home, your first concern is safety. But your next question is usually, “Will insurance cover this?” The answer depends on the type of damage, your specific policy, and whether you have additional flood coverage. In this post, we’ll explain what’s typically covered under standard homeowners insurance—and how Eco Water Restoration helps you navigate the claims process.
What Storm Damage Is Usually Covered?
Most standard homeowners insurance policies in Washington cover damage caused by wind, rain, hail, lightning, and falling trees. This includes:
- Roof damage from wind or fallen branches
- Siding and window damage caused by flying debris
- Water damage from rain entering through a damaged roof or window
- Interior damage caused by burst pipes due to freezing after a storm
- Temporary housing if your home is uninhabitable
These types of damage are typically covered as long as the cause was sudden and related to the storm—not the result of deferred maintenance.
What About Flood Damage?
This is where many homeowners get caught off guard. Rising water from outside the home—such as street flooding, rivers, or heavy rain accumulation—is not covered by standard homeowners insurance. That kind of loss falls under flood insurance, which must be purchased separately, usually through FEMA’s National Flood Insurance Program (NFIP) or a private carrier.
If you live in a flood-prone area like parts of Kent, Renton, or Auburn, we strongly recommend reviewing whether you have a flood policy in place.
What About Storm-Related Mold?
If a storm causes a roof leak or window break, and you get mold from the resulting water damage, insurance may cover mold remediation as part of the claim—as long as:
- The storm was the direct cause
- You reported the damage quickly
- You took reasonable steps to prevent further damage (like hiring a mitigation company)
Delays in cleanup can lead to denial of mold-related claims, which is why it’s important to call Eco Water Restoration immediately after a storm.
How We Help You Through the Claims Process
When you call us for storm damage restoration, we don’t just dry your home—we guide you through the entire insurance process. That includes:
- Explaining what your policy likely covers (we’re not agents, but we have years of experience interpreting claims)
- Documenting all damage with photos, moisture readings, and itemized estimates
- Working directly with your insurance adjuster to ensure nothing is missed or underpaid
We’ve helped homeowners across King, Snohomish, and Pierce Counties secure fair coverage for storm-related losses—even in complex or borderline cases.
Call us 24 hours a day, 7 days a week at (253) 204-3646 for expert help with storm damage restoration and insurance coordination.
What If I’m Not Sure What My Policy Covers?
If you’re unsure about your current coverage, we recommend contacting your insurance agent to request a full copy of your declarations page. Then:
- Check whether flood insurance is listed as a separate policy
- Look for limitations on water or wind damage coverage
- See if mold remediation is capped at a specific dollar amount
Not sure how to read it? We’ll review it with you onsite and explain what steps to take next.
We Help You Avoid Denied or Delayed Claims
One of the most common reasons claims are denied is because homeowners wait too long to take action. Insurance companies expect you to mitigate the damage quickly, even before the adjuster shows up.
That’s why we respond to storm emergencies in 60–90 minutes, 24/7. Early action can save you thousands in repairs and help ensure your claim gets approved.
Call Now for Storm Damage Help
If your home was damaged in a storm, Eco Water Restoration is ready to help you recover quickly. We’ve completed over 1,000 restoration jobs throughout the Seattle area and maintain a 5-star reputation for our professionalism and rapid response.
Call us any time at (253) 204-3646
Or email us at info@eco-wr.com or visit our contact page to request immediate help.
More Storm FAQs
Want to learn what steps to take after storm damage happens? Check out our full guide on what to do after a storm for safety tips, documentation help, and more.
When the wind and rain hit, we’re here to help—fast, professional, and 24/7.
As co-owner of Eco Water Restoration, Ivan plays an active role in the company’s water, flood, storm, sewage, and mold damage restoration services, ensuring every job is done right the first time. The company offers free estimates and focuses on returning properties to their pre-damage condition with precision and attention to detail. Ivan works directly with insurance companies to minimize out-of-pocket expenses for clients, helping to streamline the claims process and reduce stress.
Ivan's personal involvement and dedication to customer satisfaction are frequently mentioned in reviews, with clients highlighting his professionalism, responsiveness, and commitment to quality. Many customers specifically praise Ivan for his hands-on approach and for going the extra mile to ensure their needs are met.
For water, flood, storm, sewage, or mold damage restoration, Ivan Mukomol and his team provide exceptional service and care. With free estimates, a focus on reducing expenses, and a strong commitment to restoring properties to their pre-damage state, you can trust Ivan to ensure a smooth and efficient restoration process from start to finish.
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