Will My Homeowner’s Insurance Cover Hurricane Damage?

When living in a coastal state like Florida, hurricanes are a regular concern for homeowners. The sudden appearance of these storms and the immense damage they bring can leave houses destroyed and cost serious amounts of destruction.

Unfortunately, many insurance plans do not cover the breadth of hurricane issues that can arise due to the problems it can cause for the insurance companies.

Here, we will aim to explain what is already covered by your homeowner’s insurance and what else you might want to have covered in the event of a hurricane.

What Am I Covered For?

With a general homeowner’s insurance plan, you are protected from general theft, lightning, and fire damages.

Some plans will cover wind-related damages, but this needs to be confirmed before any events take place. The issues arise when the storms officially become a hurricane. Once that designation is made, then any damages need to be covered by other add-ons.

Flood Damage

With the potential for a hurricane, flood coverage would be a wise investment. Insurance plans generally do not cover any sort of flooding or flood damage, which can be a common byproduct of hurricanes.

If you are in an area that is prone to flooding, investing in some extra flood coverage would be a good idea.

Wind Coverage

While normal wind damage may be covered in your insurance plan, it is not a guarantee. Always make sure to look over your coverage in advance and determine what you are insured for.

Even if wind damage is protected, understand that there might be a higher deductible in place when the problems are caused by a hurricane.

Other Hurricane Coverages

There are some other types of coverage that are not covered by a standard plan but could prove to be beneficial if a hurricane comes. A dwelling coverage helps protect various structural parts of your house, including a pool, deck, or roof.

Other items that are not attached to your home but can also sustain damage can be protected by some sort of personal item coverage. These miscellaneous coverage’s might seem frivolous but can prove helpful in the event of large damages.

Central Florida Home Insurance

With hurricane season in full swing, there is no better time to review your insurance plan and confirm what is covered and what you are liable for. Insurance companies do not want to be on the hook for all of the incredible damages caused by these storms, so you must make sure that your home and belongings are protected.

At Corkhill Insurance, we will go over your plan and help you see what is secured and what other coverage you may need to ensure your safety. Call us today for a free quote at 407-898-8891.