Storms present danger and liability to your home. 

Shelbyville Insurance Risk Advisor Derek Hayden helps folks navigate insurance policies to provide the best coverage possible. He says that standard home policies don’t cover everything. 

First up, Hayden explains that standard home insurance doesn’t necessarily cover water damage as a result of extreme rain.

Hayden says this also applies if your basement floods and damages your items. 

If the winds blow a tree onto your home, you should be covered with your standard policy. There is some complication involved if it’s a neighbor’s tree damaging your property. 

Hayden says Shelbyville Insurance can guide you to the best policy additions possible. 

Learn more at shelbyvilleins.com. Hayden appeared as a guest on the WTIM Morning Show from studios in downtown Shelbyville.