Types of Covered Storm Damage
In Florida a homeowners policy will cover wind damage, regardless of the cause, however, there are specified deductibles for hurricane damage in Florida, which are generally a stated percentage of the amount of coverage under the policy, which must be met before insurance starts paying. Water damage regardless if it occurs in connection with a Hurricane or wind event is generally not covered under a Homeowners policy
As a result it is extremely important for you to read and understand your insurance policy so it is clear what is covered and what may require a separate policy. This is also important to do because if the insurance company denies your claim or makes a low ball offer, you will know.
The various types of damage that can occur as a result of a Hurricane can include
- Roof Damage: During a hurricane, few roofing materials will not sustain at least some damage. Roof damage will allow water and often debris to enter your home. The side walls of your roof, also known as soffits or gables, may also collapse due to wind and rain.
- Damaged Siding: Siding may become loose or tear away also providing access for wind and rain.
- Broken Windows: Windows are particularly susceptible to hurricanes both because of the wind itself and flying debris. Once windows are broken, your home will sustain greater damage.
- Garage Door Damage: Garage doors often fail due to high winds. Once that happens winds will be able to enter your home, allowing wind pressure to fill the house and possibly blow down from pressure.
- Door Damage: Doors are often blown open or even off their hinges, becoming a danger to you as well as the structure of your home.
- Moisture Damage: I f the interior of your home is exposed, mold can develop from moisture that gets into insulation and wood causing additional damages.
- Damage to Personal Property: Cars, appliances, furnishings, and other household items may be damaged or destroyed. In addition the shorting out of appliances as well as destruction of electronic components from water, or a surge when power is effected can cause additional damage.
- Fire: Downed electrical transmission lines, or water entering outlets or electrical equipment can cause fires.
- Pools: Pools also can get damaged in a hurricane. It can occur to the structure of your pool or even at times due to lateral water pressure around it from water saturated soil.
- Porches and Carports: These are easily damaged and potentially very dangerous during a storm as they become air borne.
- Lost or Damaged Boats: For many people living near the coastline, may suffer lost or damaged boats stored on the water or on land.
- Septic Tanks: Septic tanks with disabled electric powered due to power outages can result in sewage backup into your home.
Obviously it is very difficult for a homeowner to locate identify and properly make a claim for all these varied items. In addition exclusions, coverage conditions, and complicated language found in insurance policies make it very difficult to make sure that you are filing a complete and accurate claim under what are very difficult circumstances immediately following a Hurricane.
Many insurance companies will also tell you that all or part of your claim is not covered without providing a good reason.