Hurricanes bring a whirlwind of destruction, spawning tornadoes with powerful winds that rip apart homes and uproot trees. Heavy rainfall results in flooding and dangerous storm surges, leaving a trail of waterlogged devastation. Many homeowners are confused about filing insurance claims and dealing with flooding from hurricanes.
Understanding Standard Insurance
Flooding from hurricanes often falls under the category of flooding, meaning it is typically exempt from many insurance policies. Many standard policies do not cover damage from extreme natural disasters. Instead, homeowners can purchase additional coverage for natural disasters. Many insurance companies offer add-on protection for floods, hurricanes, and more. Speak with an agent at Smoller Insurance Agency to learn about add-on coverage available in Boston, MA.
Flooding From Hurricanes
Most people aren’t sure whether flooding from hurricanes is covered under hurricane insurance or flood insurance. Water damage from excessive rain or storm surges typically falls under the category of "flood insurance". Homeowners with only hurricane insurance may end up footing the bill if they face water damage from rainfall.
Different Coverage for Different Damages
Dealing with homeowners’ insurance after a hurricane can be challenging. Flood insurance typically covers water damage, such as flooding. However, damage to doors, windows, and wind damage is generally covered under the hurricane aspect of an insurance policy. Policies may require tornado insurance to cover damages from winds if there is a tornado.
We understand that this can be confusing. Experienced agents at Smoller Insurance Agency will discuss your concerns, help you choose coverage, and ensure you know what type of coverage covers specific types of damage. Contact us to learn more today. We’re currently serving the Boston, MA area.
