Hurricane Ready: What Your Insurance Actually Covers

Storm season rolls in every year. Too often, policy confusion comes with it. We want you tobe prepared, not caught off guard. Whether you’re facing tropical storms in Florida, heavy winds in Georgia, or coastal threats in the Carolinas, knowing what your insurance covers before the storm roll in makes all the difference. 

Here’s what homeowners are most surprised to learn:

Homeowners Insurance Doesn’t Always Cover Flooding

Flood damage typically requires a separate flood policy. Even a few inches of water can lead to thousands in repairs. Don’t assume you’re covered just because you have homeowners insurance.

Wind Damage Can Be a Gray Area

Some policies have separate wind/hail deductibles or exclusions, especially near the coast. Check yours to see if wind damage from a storm is fully covered or if you need an added endorsement.

Power Outages & Food Spoilage: Sometimes Covered, Sometimes Not

Lost groceries after a blackout? Some policies offer limited coverage for refrigerated items—others don’t. It’s a small detail that can make a big difference during storm season.

 Temporary Housing Is Often Included, But With Limits

If a storm damages your home and you can’t stay there, your policy may cover hotel stays or temporary rentals. But coverage limits and timeframes vary. Make sure you know what yours offers before you need it.

Trees, Fences, and Sheds May Need Extra Protection

Detached structures and landscaping may not be fully covered under a standard policy. A quick check can help you avoid unpleasant surprises after a storm.

Storm season is stressful enough, your insurance shouldn’t be! Let’s review your policy now, so you’re not left asking questions when the winds pick up. Click here to schedule a policy check or give us a call. We’re here to make sure you get prepared.