Is Hurricane Damage Covered by Insurance?

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If you live in Florida, you already know hurricanes should be taken seriously and prepared for. One of the best ways you can protect yourself, your family, and your home is by making sure you have good homeowners and hurricane insurance. Don’t wait until June, when hurricane season arrives, to start making preparations.

If you’re unsure about your plan or level of protection, now’s the time to find out exactly what is covered by your insurance and what isn’t in a hurricane. If necessary, you can seek additional coverage or find a new and better homeowner’s insurance plan before the next storm arrives. Consulting with an experienced hurricane damage insurance claims attorney in Florida is also recommended.

What’s covered under my homeowner’s insurance?

Because Florida is a state prone to storms and hurricanes, you need to be prepared every year. While you should always double-check your homeowner’s insurance before hurricane season to familiarize yourself with the specifics, the following list gives an idea about what types of damage are and aren’t covered in a hurricane:

  • Wind damage. In a hurricane, your home is covered against wind damage or damage from wind-pushed rain. If wind or flying debris caused broken windows or damage to your flooring or interior, it should be covered. However, homeowner’s insurance does not cover flooding caused by the storm surge.
  • Roof damage. Insurance on the structure of your home, the roof, and some indoor appliances such as water-heaters is called dwelling coverage. It is very important to have strong dwelling coverage – up to the entire cost of rebuilding your home—since structural damage can be very expensive to rebuild.
  • Water damage. Damage caused by flooding is not covered. If you live in an area prone to hurricanes, you should consider adding flood insurance to your policy as soon as possible.

It’s essential that you review your plan before hurricane season hits because once a storm is on the radar, insurance companies often issue a moratorium—a period of time when you cannot add or adjust your plan in any way.

What about deductibles?

Many insurance policies have lower premiums but higher deductibles. That means you pay less monthly, but if your property is damaged, you will be responsible for paying a large percentage of the repair costs upfront, before the insurance company pays anything. This is another aspect of property insurance to consider when reviewing your plan.

Central Florida hurricane claim attorneys

Whether you’re preparing for next year’s hurricane season and need help choosing the right insurance plan, or your property was damaged the previous year, and you are filing or appealing a claim, the experienced lawyers at Johnson & Williams P.A. can help. Give us a call today at (407) 245-1268 or contact us here online for a free consultation.