Hurricane Season and Home Insurance: Are You Covered

Homeowners in high-risk areas should verify that their insurance coverage is sufficient to financially protect against potential damage. Hurricanes can cause significant destruction with high winds, heavy rainfall and flooding, making insurance coverage a crucial consideration.

Understanding Hurricane Insurance

Hurricane insurance isn’t a single policy but a combination of coverages that address various types of damage. Standard homeowners insurance can typically help cover wind damage, but additional windstorm coverage may be necessary in hurricane-prone regions. It’s crucial to check if your policy includes a hurricane deductible, which can significantly impact out-of-pocket expenses.

Flood Insurance

One of the most critical aspects of hurricane coverage is flood insurance. Standard homeowners insurance does not cover flood damage, which is common during hurricanes. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or private insurers. Given the high risk of flooding during hurricanes, this coverage can be indispensable.

Reviewing Your Policy

Before hurricane season begins, review your insurance policies to verify that you have the necessary coverage. Review the specifics of your homeowners insurance, including windstorm and hurricane deductibles. Additionally, confirm that your flood insurance is active and offers adequate coverage for your property.

Preparing for Claims

In the event of a hurricane, documenting damage is vital for filing insurance claims. Take photographs and keep records of all damaged property. Contact your insurance provider promptly to start the claims process.

Learn More

For insurance advice near you, contact Amato Insurance Group.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.