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Standard homeowners' insurance does not cover the cost of flooded basement cleanup caused by natural flooding. However, it may cover water damage from burst pipes or appliance failures. Flood insurance policies may be required to cover natural flood events. Review your policy or speak with your insurance agent to understand your coverage and any exclusions.

If a window breaks during a hurricane, the first thing to do is get away from it, shut the door to the room, and move to a different part of your home. Ideally, you should wait out the storm in a room that doesn’t have any windows. Afterward, safely throw out the broken glass while wearing gloves and call a window replacement professional to discuss your options.

Stay inside or well away until the storm passes. Don’t go outside to inspect the tree until the weather clears, especially if the tree is on a hill or isolated in a field. Lightning often strikes the same easily-accessed places multiple times, and you could be a new target. If a lightning strike causes a noticeable fire, alert emergency services. When the storm is over, take a closer look to gauge the damage done.

Generally, your homeowner’s insurance might only cover ceiling collapses caused by problems under the coverage, such as a busted pipe. But if the ceiling collapse resulted from owner negligence, maintenance issues, or other reasons excluded by your policy, you could be on your own. Some policies might cover damages caused by the collapse but not the repair itself. Check with your policy carrier for the most accurate information regarding ceiling collapse coverage.