Here's a breakdown of what damage is covered (and not) by insurance in a major storm

SAN FRANCISCO (KGO) -- The Bay Area suffered a lot of damage after the New Year's Eve storm.

There is a lot of damage, but fortunately much of the losses will be covered by insurance.
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In light of the upcoming Level 5 Storm arriving on Wednesday, 7 On Your Side's Michael Finney breaks down what damage will be covered by insurance and what damage won't in a major storm?

Let's start with your homeowners insurance. Most policies cover wind damage to your home. That includes a tree that falls.

With water, it gets tricky. But here is the basic rule -- if water falls, it is covered.

If water rises, it is not covered, unless you have flood insurance.

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So if your basement floods, your homeowners policy will probably not pay for the damage.



If your roof is damaged and rain gets in, you are most likely covered.
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Mold damage gets very complicated, so you should check your policy.

Flooded cars are covered, but only if the owner carries comprehensive coverage.

It is the same with a falling tree. If you have comprehensive coverage, you are most likely covered.
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Most newer cars have comprehensive coverage because finance companies require it for an auto loan.



If your home, car, etc. suffered damage, take a lot of photos and document everything.

Take a look at more stories and videos by Michael Finney and 7 On Your Side.

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