The proper protection from a storm could mean the difference between you paying for a claim out of pocket or the carrier. When it comes to your home, there are numerous limits you'll want to obtain to avoid financial ruin. Fortunately, Mississippi homeowners insurance can have coverage for your roof after a storm. 

A Mississippi independent insurance agent has access to multiple markets so that you get the best options on policy and price. Since they do the shopping for free, you'll save big-time. Connect with a local expert to get started in minutes. 

What Does Homeowners Insurance Cover in Mississippi?

Your Mississippi homeowners policy will come standard with fire, wind, hail, lightning, and theft protection. The majority of homeowners policies have the following coverages:

• Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
• Personal property: Pays for the replacement or repair of your personal belongings.
• Personal liability: Pays for bodily injury, property damage, or slander claims against a household member.
• Additional living expenses: Pays for your temporary stay at another property when a claim renders your home uninhabitable. 
• Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Number of homeowner insurance claims paid due to lightning losses in the US in recent years

If your property sustains storm damage, you'll want the right insurance in place beforehand. First, it's essential to understand common occurrences in your area.

Catastrophes That Occur in Mississippi

All states have standard severe weather that occurs most often. In Mississippi, 414,262,000 home insurance claims were paid in 2020 alone. Some of the common ones you'll want protection for are:

• Severe storms and lightning
• Burglary and other property crimes
• Hurricanes and tropical storms
• Tornadoes
• Flooding and water damage

Estimated overall losses due to natural disasters in the US, by type (in million US dollars)

A homeowners loss can cost a small fortune or more, making it easy to go into financial devastation. If you're adequately insured, you won't have to worry about the expense. 

Is My Garage Roof Covered after Storm Damage in Mississippi?

Severe weather can wreak havoc on your property, but exactly what items are covered? Your homeowners policy will come with automatic limits of protection against storm damage. Below are some of the things that would be replaced or repaired in the event of a storm loss in Mississippi:

• Electrical and plumbing systems
• Foundational elements
• The structure itself
• Detached garages
• Home and garage roofs
• Personal belongings

Does Homeowners Insurance Cover Roof Damage after a Storm in Mississippi?

The insurance company will pay out your claim based on the limits and coverages you preselected. Sometimes there is a clause in homeowners policies that changes how your roof is replaced after a certain number of years. Check out the different values that could be used to replace or repair your roof:

• Replacement cost: Pays to replace your roof to like kind and quality when a claim occurs, including storm damage.
• Actual cash value: Pays to replace or repair your roof to the current market value given the age of the roof. This typically applies when your roof is 15 years old or more. 

How a Mississippi Independent Insurance Agent Can Help

If you're looking for the best homeowners insurance that won't break the bank, consider using a licensed professional. There are different ways your roof can be covered to protect it from storm damage. Fortunately, you don't have to find coverage on your own.

A Mississippi independent insurance agent will do the shopping for you at no additional cost, saving you time and money. Since they have a network of carriers, you'll get the best option around. Connect with a local expert on TrustedChoice.com for custom quotes today.