steveinbsas said:I recently asked my agent if I am covered for storm damage...such as a tree falling on the house in a strong wind. She said no...that's "clima" and the structure (mostly brick with a tile roof) is only covered for fire damage.
A bit off topic for this thread, but get a better policy or a better broker.
The very cheap advertised house insurance policies offered at like $39 or $50 per month are a scam, they cover so little as to be close to useless. It's like buying a new car and then buying terceros completos instead of todo riesgo.
You need a policy that includes "HVCT Edificio" and "HVCT Contenido" clausas. These will cover you for damage from hurricanes, storms, cyclones and earthquakes.