For homeowners, one of the most frustrating and expensive problems to deal with is storm damage. High winds can destroy roofs, topple trees, and send flying debris crashing through windows. Heavy rains can cause flash flooding, leading to water damage in basements and crawl spaces. And of course, there’s always the potential for hail damage. In short, storms can wreak havoc on a home and its contents. The good news is that homeowner’s insurance typically covers storm damage. But the bad news is that insurance deductibles can be high, and it can often take months to get a claim approved and paid out. As a result, it’s important to be prepared for the financial costs of storm damage before it occurs.