Hurricanes are increasingly common in the United States and each year hurricane insurance premiums keep going up.
It is important to keep in mind that hurricane coverage doesn’t cover flooding, which can be insured through a separate flood insurance policy. Instead, hurricane coverage will help cover costs that arise from damage caused by wind and wind-driven rain.
After a hurricane, your damage is likely to be extensive. The first thing you should do is list your damaged property. This is made easy if you have a proper home inventory. Once you make a list of your damaged property, you can initiate a claim with your insurance company.
Sometimes the damage can be fairly extensive and can render your home uninhabitable. In such a case you might have to relocate to temporary housing until repairs can be completed. Expenses incurred will fall under the loss-of-use clause in your homeowners policy.
Nevertheless, any damage that occurs as a result of the hurricane will fall under the umbrella of your hurricane policy so you should take extra care to make sure you are completely covered.
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