No. Storm surge is flooding and is covered only by a flood insurance policy. After a hurricane, a home may have both wind damage, covered by the homeowners policy, and surge damage, covered by flood insurance. Clear photos and documentation help both claims move forward.
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Make sure everyone is safe, then photograph and video all damage before cleaning up. Make temporary repairs to prevent further damage, such as tarping a roof, and keep every receipt. ...
Usually not. Once a hurricane watch or warning is issued for your area, insurers typically suspend new policies and coverage increases until the storm passes. Coverage changes need to be ...
A wind mitigation inspection documents features that help a home resist hurricane winds, such as roof shape, roof-to-wall connections, secondary water resistance, and impact-rated windows and doors. Florida insurers are ...
Most Florida homeowners policies have a separate hurricane deductible, usually 2, 5, or 10 percent of the dwelling coverage limit rather than a flat dollar amount. On a $3 million ...
