According to the National Oceanic and Atmospheric Administration, in 2016, there were 15 weather and climate disaster events with losses exceeding $1 billion each. This of course, doesn’t include that high-wind thunderstorm that dropped a tree branch on your roof. 

So, who’s paying for all this damage? With any luck – your insurance. Your homeowner’s policy should cover most storm damage including hail, wind, fire and snow. One notable exception: flood damage which often requires a separate policy. To make sure that happens, we talked with State Farm spokesperson Dave Phillips who walked us through the basics of homeowners insurance and storm damage.

Follow along with this easy to follow infographic and you’ll be ready next time the sky darkens and the wind starts to blow.

Read the complete article: 4 Steps to Follow After the Storm Hits