Does Homeowners Insurance Cover Hurricane and Flood Damage? What You Need to Know 

Hurricane season is a sharp reminder that homeowners insurance and flood coverage are not the same thing, and that gap can cost you everything. If you live in a coastal area or a flood-prone neighborhood, understanding how these two types of coverage work together, and where they part ways, could make all the difference when a storm rolls in.

What Your Homeowners Policy Covers

A standard homeowners policy may cover wind damage caused by a hurricane. Specifically, your coverage may include aid for:

• Roof and structural damage
• Broken windows and doors
• Personal property losses
• Debris removal after a storm
• Additional living expenses if your home becomes uninhabitable

Wind damage covered under your homeowners insurance also often has a separate deductible if caused by a named storm, such as a hurricane. This clause establishes a different minimum amount you contribute out of pocket when filing a claim than you would need to meet for other covered perils. A named storm deductible is typically calculated as a percentage of your home’s value.

What It Does Not Cover

Flooding is typically not covered by a standard homeowners policy. Storm surge, rising water from heavy rain and overflowing bodies of water all fall outside the scope of typical homeowners coverage. Many homeowners discover this after a storm, when the damage is already done.

Why Flood Insurance Matters in Miami, FL

Homes near coastlines and floodplains often face compounded risks during hurricane season. Wind may damage your roof while storm surge floods your lower floors. Those are two separate insurance events, each requiring its own policy. A dedicated flood insurance policy, typically available through the National Flood Insurance Program (NFIP) or private flood insurers, can financially protect against structural damage and contents losses caused by rising water.

Contact Our Agency

If you are unsure whether your current coverage addresses both wind and flood exposures, now is the time to find out. Contact Florida Insurance Group today to review your policies and make sure your home and family are covered during this year’s storm season and beyond.

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.