Does Homeowners Insurance Cover Hurricane Damage?

Wind damage to your roof, siding, and windows is a common covered peril. If this damage allows rain to enter and soak walls or floors, that subsequent water damage is also typically included. Damage from fallen trees driven by hurricane winds, or from wind-borne debris, is generally covered as well.

The interior damage from that wind-driven rain, including soaked drywall, ruined insulation, and warped flooring, is part of the claim. It is important to document all damage with photos before making temporary repairs. Your policy's dwelling coverage pays to repair the structure itself, while personal property coverage handles your damaged belongings.

Contact your insurance company to start the claims process as soon as it is safe. Provide your policy number and a basic description of the damage. Take extensive photos and videos of all damage, both inside and out, before you remove debris or begin any cleanup.

Make only temporary repairs to prevent further damage, like placing a tarp on a damaged roof. Keep all receipts for these materials, as they may be reimbursable. Avoid making permanent repairs until an insurance adjuster has visited your property to assess the damage.

Review your insurance policy declarations page annually to understand your coverage limits and deductibles. Note that hurricane or windstorm deductibles are often calculated as a percentage of your dwelling coverage limit, not a flat dollar amount. This can significantly impact your out-of-pocket costs for a major storm.

Physically prepare by trimming trees, securing outdoor furniture, and ensuring gutters are clear. Know where your main water shutoff valve is located. Consider your specific region's typical weather risks when planning your home's protection. Taking these steps can help reduce potential damage from severe storms.