Back in April, a big storm blew through my Missouri neighborhood, and golf ball–sized hail pounded my home with fierce intensity. A little later, I was sitting on my couch when I felt something wet ...

Water can wreck a home in hours, but what really determines your payout is how long that water sits and how quickly you act.

“Just because you have a $10,000 wind deductible, that doesn’t mean you can’t file a claim for a tree,” he noted. Understanding water damage is also important. Homeowners insurance will cover damage ...