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Personal Insurance

Is Your Home Properly Insured for a Hurricane?

Don’t wait until a storm is forecast to consider your hurricane insurance needs.

May 24, 2024

Atlantic hurricane season takes place annually from June 1 to November 30. Hurricanes are some of the costliest natural weather disasters, with some causing well over $30 billion in damage. It’s critical to review your insurance coverage to ensure that you have the proper protections in place if a hurricane occurs in your area.

What Is Hurricane Insurance?

Hurricane insurance is not a specific, standalone policy. Rather, “hurricane insurance” refers to a combination of insurance policies, such as flood insurance, windstorm insurance and homeowners insurance, to help financially protect against the risks of hurricanes and related damages.

Does Homeowners Insurance Cover Hurricane Damage?

Some homeowners insurance policies may help cover damages that result from a hurricane, but there may be explicit exclusions in your policy that limit what types of damages (e.g., flood-related damages) are covered. You may also have a separate deductible for hurricane-related damages that you’ll need to pay when filing claims. If you live in a high-risk area for hurricanes, you will likely want higher policy limits and supplemental coverage to ensure you are as protected as possible.

What Types of Insurance Help Cover Hurricane Damage?

Homeowners in areas impacted by hurricanes may want to purchase the following supplemental insurance policies:

  • Flood insurance may cover losses directly caused by flooding (e.g., torrential rains and storm surge) and can include building and contents coverage. Be aware that flood insurance doesn’t take effect immediately. Learn more here.
  • Windstorm insurance may protect policyholders from property damage caused by gales, winds and hail.
  • Additionally, consider adding a sewer backup endorsement to your homeowners insurance policy, which may protect homes from losses caused by a discharge of water or waterborne material from a sewer, drain or sump.

Do I Need Hurricane Insurance?

If you live in a coastal state known for being at risk of hurricanes, you should consider securing additional insurance coverage to be adequately protected. Don’t wait until a storm is forecast to think about your hurricane insurance needs; prioritize it today.

Contact Hylant today to learn more about optimal insurance coverage for hurricanes and other risks.

Related Reading: Prepare for Hurricane Season

The above information does not constitute advice. Always contact your insurance broker or trusted advisor for insurance-related questions.

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