What Does Hurricane Insurance Actually Cover?

Pile of damage after a stormNavigating the legal complexity of ensuring your home is covered in case of potential disaster is no easy task. Even more complex is protecting your rights as a policyholder after the fact or knowing when you have been taken advantage of.

What Most Policies Cover in the Event of a Hurricane

According to the Wall Street journal, most homeowner’s insurance covers falling trees, wind damage to the roof, flying debris. They also most likely cover opportunists vandalizing or looting your home. In addition, they probably cover related weather events such as hail, fire, and lightning.

However, many surprisingly don't cover flooding and many other damages, and sometimes exclude wind damage in a coastal area.

It’s also crucial to understand that in many cases, if a non-covered and covered event both damage the home at the same time, neither of the damages will be covered by the insurance policy.

However, in many areas with a high risk of flooding homeowners may be legally obligated to buy separate insurance in case of flood.

What to Do After the Storm

Plenty of resources provide some helpful advice on things to be aware of and steps to take after a hurricane in order to help you receive the benefits you are entitled to as a policyholder. First, be aware that some states may have higher hurricane deductibles you may need to pay in the event of a hurricane.

Also, make sure that you keep detailed records throughout the process, especially of conversations with your adjuster, your insurance company, and contractors or other personnel repairing your home.

This includes taking inventory of all your possessions before and after the disaster, expenses incurring during the disaster and/or relocation process, and getting estimates from trusted professionals to repair your home.

Other essentials include filing a claim as soon as possible and being willing to negotiate to ensure you get a fair settlement. This last one may necessitate professional help, such as a public insurance adjuster, state insurance regulator, or an attorney specializing in the field

Pursuing Legal Advice

It may be necessary to protect your rights as a policyholder in the legal system. At Strems Law Firm, we are dedicated to serving the survivors of Hurricane Irma and other disasters from our offices throughout Florida. Feel free to contact us for a free legal consultation.


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