Coverage Status: Sometimes Covered
It depends on the details of the incident. MetLife's coverage for wind damagevaries based on your specific policy terms, coverage types, and how the incident occurred.
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Pipe burst in second-floor bathroom while on vacation, causing $45,000 in damage
MetLife covered full repairs minus $2,000 deductible. Quick response and proper winterization documentation helped.
Slow leak under kitchen sink discovered after 3 months, mold damage throughout cabinets
MetLife covered mold remediation but not cabinet replacement due to gradual damage clause. Total coverage: $8,000 of $15,000 claim.
Washing machine hose failure flooded laundry room and adjacent areas
Full coverage approved. MetLife even covered temporary housing during repairs. Key: hoses were less than 5 years old.
Every MetLife policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes wind damage.
Based on recent data, MetLife pays an average of $15,000-$35,000 for wind damage claims, though amounts vary significantly based on damage extent. The 75% approval rate indicates most valid claims are covered. Your deductible (typically $1,000 - $2,500) will be subtracted from the payout.
MetLife typically processes wind damage claims within 7-14 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through metlife.com or by calling 1-800-SF-CLAIM.
MetLife requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the MetLife mobile app for fastest processing.
Premium increases vary by state and claim history. First-time wind damage claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. MetLife's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call MetLife at 1-800-SF-CLAIM, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered wind damage, MetLife's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.