Understanding Hurricane Damage Insurance Claims: Things You Must Know!

Understanding most of the insurance claims are known to be complicated, but when it comes to hurricane damage insurance claims, it can be a whole lot more complicated and messy. So much so that many people get confused over what is covered and what is not. In this blog, we will try to understand more about hurricane damage insurance claims so that you can make a well-informed decision regarding it when the time comes.

What is hurricane insurance?

If you reside in a hurricane-prone area, then you tend to require two or more insurance policies in order to ensure that your property stays protected in case of hurricane damage. So, technically speaking, there is not one single insurance policy called “hurricane insurance”. Instead of a single one, you are required to invest in multiple policies such as flood insurance, windstorm insurance, and sewer backup insurance to ensure the protection of your property against a hurricane. Some of the policies that cover hurricane damage tend to include the following:

• Windstorm coverage
• Renter, homeowner, or condo insurance (which also includes endorsements for windstorm and sewer backup damage)
• NFIP Flood Insurance and Excess Flood Insurance

 What are the types of damage that are usually caused by a hurricane?

There are many kinds of damages that a hurricane can inflict. So, depending on the kind of damage caused by a hurricane, your current home insurance policy may or may not cover it. Some of the common types of hurricane damage are mentioned down below. 

• Tornado damage
• Wind damage
• Hurricane roof damage
• Damage inflicted by heavy rainfall
• Storm surge damage
• Sewer backup damage
• Flooding damage

In most of the hurricanes, a property can get damaged by several forces of nature. For instance, your house might flood with sewer backup and your roof gets damaged by the heavy winds. Insurance companies tend to do their best to differentiate between the different types of damages. This is done because different type of damage has a different limit or maximum amount payable. Moreover, each kind of hurricane damage is subject to a deductible too.

In simpler terms, if you find your property or house damaged by flooding as well as windstorm damage, then you might have to pay two separate deductibles. And you must remember that if you decide to use up coverage for one of the damages, then you might have to pay the remaining damages out of your own pocket, even if you had leftover coverage for another damage or peril.

Now that you have more knowledge about hurricane damage insurance claims than you did at the beginning of this blog, you are in a much better position to make a well-informed decision regarding this insurance claim. You must take your time and find a reliable and highly reputed service provider in order to reap all the benefits.