Does Homeowners Insurance Cover Hurricane Damage?
Does Homeowners Insurance Cover Hurricane Damage?
With homeowners insurance, you're protected from the perils listed (a hazard, i.e., fire, lightning, theft) in your policy, including damage from hurricane winds and wind-driven rain. However, homeowners insurance does not cover the storm surge and catastrophic flood damage following a hurricane.
If your home is in a high hurricane risk area, your insurance company may charge you a separate deductible for hurricanes. Most insurers in Atlantic coast states require a separate named storm or hurricane deductible if a tropical storm is named or declared by the National Weather Service.
If you choose to omit the hurricane deductible from your policy, your insurance company will not reimburse you for property damage caused by hurricane winds.
Hurricane Deductible
How Much Coverage Do You need?
Before hurricane season, make sure your six basic protections have updated coverage amounts.
Hurricane Moratorium
An insurance moratorium is a period of time before a windstorm or natural disaster where new policies cannot be written and updates to existing policies can't be made. For example, most carriers dictate that once the NOAA has issued a hurricane watch or warning, coverage cannot be written until a certain number of hours after the watch/warning expires.
Hurricane Season Tips
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**Coverages vary by state / carrier