{"id":13153,"date":"2026-07-09T14:18:07","date_gmt":"2026-07-09T19:18:07","guid":{"rendered":"https:\/\/www.miamigroup.net\/?p=13153"},"modified":"2026-07-09T14:18:07","modified_gmt":"2026-07-09T19:18:07","slug":"does-homeowners-insurance-cover-hurricane-and-flood-damage-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.miamigroup.net\/es\/blog\/does-homeowners-insurance-cover-hurricane-and-flood-damage-what-you-need-to-know\/","title":{"rendered":"Does Homeowners Insurance Cover Hurricane and Flood Damage? What You Need to Know\u00a0"},"content":{"rendered":"<p>Hurricane season is a sharp reminder that\u00a0<a href=\"https:\/\/www.miamigroup.net\/coverage\/homeowners\/\">homeowners insurance<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.miamigroup.net\/coverage\/flood\/\">flood coverage<\/a>\u00a0are 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.<\/p>\n<p>&nbsp;<\/p>\n<h2>What Your Homeowners Policy Covers<\/h2>\n<p>A standard\u00a0homeowners\u00a0policy\u00a0may cover wind damage caused by a hurricane.\u00a0Specifically, your coverage may\u00a0include\u00a0aid for:<\/p>\n<ul>\n<li>Roof and structural damage<\/li>\n<li>Broken windows and doors<\/li>\n<li>Personal property\u00a0losses<\/li>\n<li>Debris removal after a storm<\/li>\n<li>Additional\u00a0living expenses if your home becomes uninhabitable<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Wind damage covered under your\u00a0homeowners\u00a0insurance also often has a separate deductible if caused by a named storm, such as a hurricane. This clause\u00a0establishes\u00a0a different\u00a0minimum\u00a0amount 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\u2019s\u00a0value.<\/p>\n<p>&nbsp;<\/p>\n<h2>What It Does Not Cover<\/h2>\n<p>Flooding is\u00a0typically\u00a0not covered by a standard\u00a0homeowners\u00a0policy. Storm surge, rising water from heavy rain and overflowing bodies of water all fall outside the scope of typical\u00a0homeowners\u00a0coverage. Many homeowners discover this after a\u00a0storm, when\u00a0the damage is already done.<\/p>\n<p>&nbsp;<\/p>\n<h2>Why Flood Insurance Matters in\u00a0Miami, FL<\/h2>\n<p>Homes near coastlines and\u00a0floodplains often face compounded\u00a0risks during hurricane season. Wind may damage your roof while storm surge floods your\u00a0lower floors. Those are two separate insurance events, each\u00a0requiring\u00a0its own policy. A dedicated flood insurance policy, typically available through the National Flood Insurance Program (NFIP) or private flood insurers,\u00a0can\u00a0financially protect against\u00a0structural damage and contents losses caused by rising water.<\/p>\n<p>&nbsp;<\/p>\n<h2>Contact Our Agency<\/h2>\n<p>If you are unsure whether your current coverage addresses both wind and flood exposures, now is the time to find out.\u00a0<a href=\"https:\/\/www.miamigroup.net\/contact-us\/\">Contact Florida Insurance Group<\/a>\u00a0today\u00a0to review\u00a0your policies and make sure your home and family are covered\u00a0during\u00a0this\u00a0year\u2019s\u00a0storm season\u00a0and beyond.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><i>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.<\/i><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hurricane season is a sharp reminder that\u00a0homeowners insurance\u00a0and\u00a0flood coverage\u00a0are 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. [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":13155,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%% %%sep%% %%sitetitle%%","_seopress_titles_desc":"Hurricane season is a sharp reminder that\u00a0homeowners insurance\u00a0and\u00a0flood coverage\u00a0are not the same thing, and that gap can cost you everything. Call Florida Insurance Group to help you navigate this issue.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[1,26],"tags":[],"class_list":["post-13153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-homeowners-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/posts\/13153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/comments?post=13153"}],"version-history":[{"count":2,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/posts\/13153\/revisions"}],"predecessor-version":[{"id":13157,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/posts\/13153\/revisions\/13157"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/media\/13155"}],"wp:attachment":[{"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/media?parent=13153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/categories?post=13153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.miamigroup.net\/es\/wp-json\/wp\/v2\/tags?post=13153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}