What your homeowner’s policy will & won’t cover after a hurricane (*U.S. clients)

Even the best home insurance won’t pay for every kind of hurricane damage. Homeowner’s insurance technically covers damage from tropical hurricane winds and rain. However, depending on where you live a special hurricane or wind deductible may apply.

• Most homeowners’ insurance policies cover wind damage and wind-driven rain during a hurricane.

• Homeowners and personal package policies have separate limits for your dwelling (structure) and your personal property (content).

• In order to avoid penalties in the event you suffer a loss, you should evaluate the limit of insurance you are carrying to confirm that you are not underinsured.

• Insurance companies may charge separate wind or hurricane deductibles before they’ll cover tropical storm damage.

• Your policy won’t cover hurricane flood damage, but a separate flood insurance policy is available.

• Once a storm is officially declared, insurers may issue a moratorium on insurance, so update your coverage in advance of hurricane season.

• Learn more about the Windstorm Deductible and how it works.

Fulcro’s all-lines insurance brokers are prepared to assist you in case of an emergency like a hurricane. We urge you to take precautionary measures to protect your loved ones and your home and ensure that you are covering all of your bases in the case a hurricane strikes. 

Contact our specialists to find out if your home and property are properly insured this hurricane season. Get Fulcro.