In case you didn’t know, it’s hurricane season, which officially runs from June 1st through November 30th. The good news about hurricanes is that they tend to come and go rather quickly. The bad news is that the destruction can sometimes be devastating. Because of that, this is the time of year when clients often call to ask if their home insurance covers damage caused by hurricanes or if they need special hurricane insurance.
Homeowners insurance policies typically cover most destruction caused by a hurricane, including wind, wind blown debris, falling trees, hail, and certain types of water damage. Some common examples of claims that occur during hurricanes that are covered under home insurance are: roof or siding damage caused by wind, trees falling on a home, or flying debris causing damage to fences, sheds, or other structures. Hurricane insurance claims from power outages can also happen, particularly loss to refrigerated products or damage from power surge. Coverage for these types of claims depends on your particular policy, and is usually covered by endorsement, or “riders”, to your policy. If you aren’t sure if you have coverage for power outage, check with your agent.
Often, the most severe damage from hurricanes is caused by flooding. By flooding, we mean rising tidal water, coastal surges or waves, overflow of lakes or rivers, or excess ground water. Unfortunately, flooding is not covered on a home insurance policy. Flood insurance needs to be purchased separately. We recommend that those who live near the coast, or anyone who is concerned about flooding, consider purchasing flood insurance.
We hope that the hurricanes stay away for the rest of the season, but we also hope that you will have some peace of mind knowing that you are properly protected in the event of the worst case scenario. If you have any questions about your specific home policy or how you can be better prepared for a potential hurricane, give us a call at 401-723-8510 or go to visit our website for more information.