homeowners might be a little nervous about the storms heading our way so we checked in with the Rochester agency about what you need to know about homeowners insurance agent Connor fulle says some of the more common severe weather claims are hail damage to shingles and tree branches crashing into homes one claim generally not covered under an average policy is flood damage opul says you may have higher premiums on coverage if you live in a flood zone and before you sign on the dotted line he says it's important to go over all of your options with your insurance agent obviously a home is a huge investment in your life one of your biggest uh you definitely want to go through your insurance policy in detail with your insurance broker so you make sure you have everything covered that you want um water backup there's there's options like undamaged matching of roofing and siding coverage um you want replacement cost on your home you want replacement cost on your roof before you make a claim on roof insurance he also recommends having a contractor look it over and provide an repair estimate