The aftermath of a hurricane can be overwhelming. Downed trees, missing shingles, flooded floors. Then comes the question every homeowner dreads: What does my insurance cover? Understanding your homeowners insurance policy before a storm hits can puts you in a much stronger position when you need to file a claim.
The Difference Between Windstorms and Floods
Standard policies can cover wind damage, including:
- Roof damage from high winds or flying debris
- Broken windows and damaged doors
- Structural damage from fallen trees
- Interior damage caused by wind-driven rain entering through a damaged opening
On the other hand, water damage from storm surges or rising floodwaters may be excluded. To bridge this coverage gap, you may need to purchase a separate flood policy from a private insurer or the National Flood Insurance Program (NFIP).
Understanding Your Hurricane Deductible
Your policy may include a hurricane deductible that is separate from your standard deductible. This is typically calculated as a percentage of your home's insured value rather than a flat amount. That calculation may result in significant out-of-pocket costs after a major storm. The specific terms vary by policy and carrier, so reviewing yours with our agents before hurricane season is highly recommended.
Be Ready Before the Storm
Waiting until after a hurricane to understand your coverage may leave you with fewer options. Contact Gene Smith Insurance Agency to review your homeowners policy, explore flood insurance options, and make sure your coverage reflects what your home is worth today. We proudly serve homeowners in Dade City, FL and are here to help you financially prepare for any unexpected risks.
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.