Is Your Home Covered for Flood and Tornado Damage in Maryland?

Maryland has been hit with several surges of extreme weather over the years, and it now seems as though the Free State is facing a fresh delivery of storms, floods, and tornadoes. Of course, this isn’t anything new to Maryland residents, as they’ve been facing these kinds of weather events for decades. That being said, there is a growing feeling in the United States that extreme weather has become significantly worse over time, and this is leading to property owners taking a more proactive stance when it comes to insuring and protecting their homes. 

In early June of 2021, a number of weather warnings were issued for the Washington, D.C. area and parts of Maryland. Damaging winds were forecast, and Maryland faced tornadoes and flood watches. Washington was expected to face significant thunderstorms as well as hailstorms. The National Weather Service then posted a Flash Flood Watch for Maryland, while also warning residents to expect damaging winds of between 60 and 70 mph. 

Maryland Has a History of Tornadoes

Maryland has a long history of tornadoes, and the state averages about five tornadoes per year. In 2020, a record five tornadoes hit the state within a single day. In 1992, the state faced the worst tornado in its history. The F5 twister flattened entire buildings with winds of more than 261 miles per hour, and the storm claimed three lives. 

Are You Covered?

In the face of these storm warnings, it’s important to consider whether you have the right level of coverage for your home. It might be worth sitting down and reviewing the details of your policy, especially the fine print. Don’t make the mistake of assuming that you’re covered for virtually every form of damage, since this type of extensive coverage is relatively rare. 

Most homeowners’ insurance policies provide some degree of coverage for water and wind damage, but you may be limited in your attempts to receive full compensation for the totality of the damages. You can speak with your insurer about options for additional coverage. For example, you might want to make sure that you’re covered for things like floods and tornadoes. 

Enlist the Help of a Qualified Attorney Today

If you’re having trouble with your insurance claim in Maryland after a storm, don’t give up just yet. You can still get all the help you need from a qualified, experienced attorney who specializes in denied insurance claims. These legal professionals will work with you to ensure that your insurance company takes you seriously. Even if your claim has already been denied, your attorney can help you pursue this matter until you get the compensation you deserve. If you need help from a legal expert, there are plenty of options available in Maryland.