Understanding damage from hurricanes
Learn how hurricane storm factors determine the right coverage.
Hurricanes: Minimize risk and damage with a combination of insurances
Typically, hurricanes are not listed as either a covered or an excluded peril in an insurance policy. Rather, your policy is more likely to mention the specific types of hurricane-related damages that will be covered, such as flooding or strong winds. Hurricane-related claims can be very tricky to assess because the property damage may have been caused by a number of things, so it may actually involve multiple policies (e.g., homeowner’s, flood, and hurricane insurance).
Hurricane storm factors
- Flooding – Homeowners Insurance provides coverage for some forms of water damage, such as a sudden burst of pipes, but it will not cover damage to your home from a flood. Flooding or storm surges from a hurricane will most likely by excluded from a homeowner’s insurance policy and will be covered by a separate flood policy. In some cases, water damage to carpets from hurricane winds blowing rain through a window or door can be covered by a homeowner’s insurance policy.
- Wind – If a hurricane causes damage to your roof or trees on your property, this would be covered by your homeowner’s insurance policy. However, if you live in an area that is prone to hurricanes, hurricane or wind coverage would generally be excluded from your policy and would need a separate endorsement. In those states, you’ll also find that there are separate deductibles for hurricane- and wind-related claims.
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