Fika Insurance Group, LLC
1303 Montague Ave Ext, Greenwood, SC 29649
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1303 Montague Ave Ext, Greenwood, SC 29649
View this agency's profile to learn more about their services.
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Yes, standard homeowners insurance policies cover tornado damage, including damage from wind, flying debris, and structural collapse. This includes damage to your home's structure, personal belongings, and other structures on your property like garages or sheds. However, you'll need to pay your deductible before coverage kicks in, and separate flood insurance is required if the tornado causes flooding.
Greenwood homeowners are seeing higher rates due to several factors: Indiana experienced 57 tornadoes in 2024 (double the normal average), weather-related claims in the area increased 22% over three years, and rebuilding costs jumped 18% in just two years. Insurers raised rates 12.3% in 2023 and 13.0% in 2024 to cover these increased risks and costs.
Yes, most standard policies cover water damage from frozen pipes that burst, as well as damage from ice dams and roof collapse from snow and ice accumulation. However, coverage may be denied if the insurer determines you were negligent—for example, if you turned off the heat and left the home vacant without properly winterizing the plumbing.
Standard homeowners policies don't cover flood damage, even from severe thunderstorms that dump heavy rain. If you're in a flood-prone area or near creeks and drainage areas, separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer is worth considering. Even areas not in designated flood zones can experience flooding during extreme weather events.
Your dwelling coverage should reflect the current cost to rebuild your home from the ground up, not its market value or what you paid for it. With rebuilding costs in Greenwood up 18% in two years, review your coverage annually to ensure it keeps pace with construction cost increases. Most experts recommend at least $300,000 in dwelling coverage for an average Greenwood home, plus liability coverage of at least $300,000 to $500,000.
File your insurance claim immediately, then document all damage with photos and videos before cleaning up. Make temporary repairs to prevent further damage (like tarping a damaged roof) and save all receipts, but don't hire contractors for permanent repairs until your insurance adjuster inspects the damage and you've agreed on a settlement amount.
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