Is my Deck Covered by my Tampa Homeowners Insurance?

December 2, 2020

With 2020 coming to a close, you begin to prepare for the upcoming year. In this, resolutions are made, plans are created, and renovations are set. Whether you are building a new deck or updating your current one, or you are simply wondering what is covered under your Tampa homeowners insurance, well we have the answer for you. HH Insurance is here to answer a few basic questions about your deck and your insurance. 

First things first, your deck is considered a part of the physical structure of your home if it is attached. Therefore, it should be covered through your ‘dwelling coverage’ of your homeowner’s policy. Many get confused by the word “dwelling” assuming that it is solely the space they live in. However, as long as the structure is attached to your house, it counts as a dwelling area, therefore covered under the insurance. 

If any damage should happen to your attached deck caused by a covered hazard, the costs of repairing it or rebuilding it would most likely be covered through your homeowners policy with HH Insurance. While Tampa homeowners insurance policies cover many hazards, there are a select few that vary on coverage. Here is a list of common cases that are covered in most states:  

  • Smoke or fire
  • Windstorms
  • Lightning strikes
  • Vandalism
  • Hail
  • Falling objects
  • Explosion
  • Damage by a motor vehicle
  • Damage by an aircraft
  • Snow, ice or sleet accumulation causing damage

While these are the most common covered occurrences, it is important to check your own policy to thoroughly grasp what is and what is not protected through your insurance. A few occurrences to ask about coverage are: 

  • Maintenance damage 
  • Ground movement damage
  • Flooding

Your Tampa homeowners insurance policy outlines exactly what is and is not covered including the amount of the damage cost. Changing your limits and coverage on your policy is an option for greater precaution. Contact your HH Insurance agent today to go over your policy, and to add on additional coverages if you deem necessary. 

HH Insurance Tampa Homeowners Insurance

At HH Insurance, our team is focused on providing a world-class experience to you this holiday season and meeting your needs to be a great insurance partner. We work with exclusive insurance markets that deliver you better coverage at the lowest rates. Get in touch with us today to get the best Florida homeowners insurance Tampa FL insurance rates and coverage for any of your holiday mishaps. Our specialists are ready to answer all your questions.