Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.
Insurance for inclement weather.
The neighbor's insurance must cover his own damage. That is how homeowners insurance works. A property owner is not liable for an act of nature.
cost of construction shorter construction time easy of expansion utilisation of material attractive finishes highly efficient for weather resistence single source assurance insurance advantage
One can buy homeowners insurance from many insurance companies. For instance, All State offers homeowners insurance for a reasonable price. Other insurance companies that offer homeowners insurance include: Geico, Liberty Mutual, and Progressive.
Most homeowners insurance does not increase rates due to claims. However, claims do determine whether or not a company continues to renew your policy. Especially now, if you are cancelled it is much harder to get home insurance.
They should carry home insurance or flood insurance so that it is not up to the general population of the state to insure the homes that are located in weather prone areas.
Agriculture Insurance Company of India Ltd, is a leading weather insurance cover provider to farmers. ICICI Lombard Ltd. also has weather insurance in its rural insurance portfolio.
Homeowners insurance can be a delicate topic. It is one of the more expensive forms of personal insurance. One of the few ways that you may be able to save money on your homeowners insurance, other than shopping around for a better rate, would be to remove unnecessary coverage. Of course, this means you would have to remove coverage for some events that you think may be very unlikely. It is a risk you may want to take in order to save money every month. Removing insurance for weather damage that is nearly impossible in your climate would be a first step. Another option may be to remove insurance for theft and instead invest in a low cost home security system. Homeowners insurance is by no means inexpensive. Thinning down your policy is one way to help reduce that cost.
The average rate is going to vary depending on where you live, your credit, weather conditions in your area, etc. This website can give you an idea: http://homeinsurance.com/rates-in-your-state/
Weather conditions can be important in determining whether it is safe to work. For example, it is not safe to work in a high crane in very stormy weather. So different kinds of weather can make some kinds of construction more difficult and some weather are good for construction work. So it is important for people in the construction industry to be aware of the weather forecasts.