Demont Insurance Agency Blog

Will Homeowner’s Insurance Cover Hurricane Damage?

Homeowners who live in regions that are often in the path of destructive storms and hurricanes usually take specific safety measures to protect their family and their property. You may have an emergency plan for severe weather conditions already in place.

These plans include gathering everyone together in a safe place, bringing along a first aid kit, or storing up water and non-perishable food items.

While having an emergency safety plan can be useful, as a homeowner, you should also have the right type of insurance coverage on your property to protect your investment.

Some people believe that a standard homeowner’s insurance policy will cover the damage and destruction caused by a hurricane. While that may be the case with some insurance companies, it is important to learn what the policy you are considering covers and does not cover before a natural disaster occurs and it’s too late.

Different Types of Hurricane Damage Requires Different Types of Insurance Coverage

Hurricane damage can range from minor to severe, and you never know how destructive a storm will be until after it passes. Your property may endure hurricane damage caused by flood water or damage caused by the strong and powerful wind that fuels the storm.

Your homeowner’s insurance plan may provide coverage from wind damage or flood damage. You may even have a policy that will cover both types of damage. Due to the varying types of coverage, when you take out a home insurance plan, it is essential that you find out about the policy’s limitations. When you know where it lacks, you can prepare by purchasing the additional coverage that will protect your home.

Coverage for Hurricane Damage Caused by Strong Winds

Many homeowner’s insurance policies offer coverage for damage caused by wind. There are some that only provide partial coverage for wind-related loss, while others do not include wind-related damage at all.

It is vital that you know what type of protection you have in your home by speaking with your insurance agent today. They can help answer any questions you may have about hurricane damage and if you need to take out an additional policy.

Be sure to find out how the coverage impacts; damage to your home’s structure, your personal belongings, and the overall property in the event of a hurricane.

Coverage for Hurricane Damage Caused by Heavy Rain

Most standard homeowner’s insurance policies do not include coverage for flood damage, such as damage caused by the massive rain associated with hurricanes. For additional protection from floods, most companies offer a separate flood insurance policy.

Homeowners also have the option to take out a policy through the National Flood Insurance Program if they live in an area known for flooding and heavy storms.

There are some instances where a homeowner’s insurance policy will provide coverage for flood damage. The coverage will depend on how the insurance company defines “flood.” If your plan protects your home from wind damage, such as strong winds that destroy your roof. And rain enters the house because of this damage; your policy could cover the cost of repairs since the wind was the initial cause of loss.

To find out more information about situations like these and other circumstances where you could receive assistance for flood damage, you should review your current homeowner’s insurance policy or speak with an agent who can help.

What to Do If Your Homeowner’s Insurance Doesn’t Provide the Coverage You Need?

If your current homeowner’s insurance policy doesn’t provide you with protection against flooding due to harsh winds and damage, don’t lose hope just yet. Your agency may offer special coverage for those who live in areas prone to severe weather.

Since this type of protection isn’t necessary for everyone, most insurance companies do not include it with their standard plans. However, many offer it as an add-on so that homeowner in need of this type of coverage can have access to it.

Speak with your local agent to find out if they offer any additional coverage for hurricane damage, storm damage, or flooding. If they don’t, and this is something you feel that you will need in the future, it’s a good idea to shop around and locate a homeowner’s insurance provider who has the right policies to meet your needs.

Knowing every detail of your homeowner’s insurance policy can be difficult. That is why our qualified agents are here to help and resolve any questions or concerns you may have.

To learn more about hurricane damage coverage, contact the experts at at (800) 522-1997. Our licensed insurance experts will be happy to answer any questions you have.


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