{"id":2487,"date":"2013-07-20T10:53:31","date_gmt":"2013-07-20T14:53:31","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=2487"},"modified":"2024-07-11T09:07:55","modified_gmt":"2024-07-11T15:07:55","slug":"does-maine-homeowners-insurance-cover-a-sharknado","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/does-maine-homeowners-insurance-cover-a-sharknado\/","title":{"rendered":"Does Maine Homeowners Insurance Cover a Sharknado?"},"content":{"rendered":"<p>Reader <a title=\"John Heard as George: Sharknado entry in IMDB\" href=\"http:\/\/www.imdb.com\/title\/tt2724064\/\" target=\"_blank\" rel=\"noopener\">George<\/a> asks via Twitter:<\/p>\n<h4>&#8220;Please settle a bar bet: If a #sharknado hits my house in Portland, Maine, would my homeowners insurance policy cover the damage?&#8221;<\/h4>\n<p>Great question, George. First, keep that bar stool handy; you might need it soon. Of course, we have to make some assumptions before answering that question:<\/p>\n<ul>\n<li>You have the most common <a title=\"Portland Maine Homeowners Insurance by Noyes Hall &amp; Allen\" href=\"https:\/\/www.noyeshallallen.com\/maine-home-insurance.html\">Maine homeowners insurance<\/a> form, (commonly called an HO-3).<\/li>\n<li>Your Maine homeowners policy doesn&#8217;t have a special wind deductible or exclusion.<\/li>\n<\/ul>\n<p>The short answer is &#8220;yes&#8221;. While a terrifying sci-fi concept and irresistably campy movie idea, a sharknado is nothing more than a glorified windstorm. And, a standard <a title=\"Does Your Maine Insurance Policy Cover Wind Damage? | Noyes Hall &amp; Allen | South Portland \" href=\"http:\/\/www.noyeshallallen.com\/does-your-maine-insurance-policy-cover-wind-damage\/\">Maine homeowners policy covers wind damage<\/a> to your home.<\/p>\n<h4>What if the damage is caused by the shark, not the wind?<\/h4>\n<p>Wind damage includes anything that&#8217;s carried by the wind. Whether it&#8217;s a tree limb, storm debris, your neighbor&#8217;s deck furniture, or a man-eating shark, if the wind flings it into your house and damages it, it&#8217;s covered by your homeowners insurance.<\/p>\n<h4>What if a a sharknado destroys my car? Does my Maine auto insurance cover \u00a0damage from a sharknado?<\/h4>\n<p>If flying sharks damage your car, that&#8217;s also covered by your <a title=\"Car Insurance from Noyes Hall &amp; Allen | South Portland Maine\" href=\"https:\/\/www.noyeshallallen.com\/maine-auto-insurance.html\">Portland Maine auto insurance<\/a> &#8211; provided you bought &#8220;other than collision coverage&#8221;.\u00a0But, we&#8217;re sorry to tell you George, but you won&#8217;t be needing your car to get home, and not only because you&#8217;ve been drinking.<\/p>\n<h4>Disclaimer:<\/h4>\n<p>Only a <a title=\"Noyes Hall &amp; Allen Insurance | South Portland Maine | Independent and Committed to You\" href=\"http:\/\/www.noyeshallallen.com\/\">Maine insurance agent<\/a> can advise you about your personal coverage and your insurance policy. Policy coverage can differ widely. If you&#8217;re looking for a Portland Maine insurance agent who can provide personal advice, including protection from a sharknado, <a title=\"Contact a Noyes Hall &amp; Allen Insurance agent | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\/contact-us\/\">contact a Noyes Hall &amp; Allen Insurance agent<\/a> at 207-799-5541.<\/p>\n<p>Oh, and there&#8217;s no such thing as a sharknado.<\/p>\n<p>As far as we know.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reader George asks via Twitter: &#8220;Please settle a bar bet: If a #sharknado hits my house in Portland, Maine, would my homeowners insurance policy cover the damage?&#8221; Great question, George. First, keep that bar stool handy; you might need it soon. Of course, we have to make some assumptions before answering that question: You have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,13,14,15,18],"tags":[35,30],"class_list":["post-2487","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","category-homeowners-insurance","category-personal-insurance","category-renters-insurance","category-weather","tag-fun","tag-storms"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=2487"}],"version-history":[{"count":2,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2487\/revisions"}],"predecessor-version":[{"id":6774,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2487\/revisions\/6774"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=2487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=2487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=2487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}