Be Sure To Review Your Insurance Policies Before a Hurricane Strikes

Ru Chen
· 3 min read
season lasts from June 1st to November 30th every year. And every year, storms leave devastation in their wake. Hurricanes are traumatic and tragic events. They can also be very costly. 
Make sure you’re properly covered by
so you can avoid financial hardship in case a hurricane sweeps over your home.
Reviewing your insurance policies isn’t exactly exciting, but it can save you a huge headache.

What sort of damage do hurricanes cause?

Hurricanes result in many dangers that are potentially lethal.
Risks include heavy rain, high winds, storm surges, and falling objects everywhere. Floods cause water damage and are also much deadlier than one might expect. 
According to
, Hurricane Ida passed through multiple states, leaving behind many tragic casualties. Many homes have been destroyed, and countless cars have been totaled. 
Stay informed of a hurricane’s progress when it’s passing by, and remain alert even when it’s gone. Natural disasters tend to echo with waves of destruction even when you think they have passed. 
Adequate insurance is crucial to recovering financially after a hurricane has hit. 
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What insurance covers hurricane damage?

There are a number of insurance policies you should review that can help with natural disasters. 
According to the
Insurance Information Institute
, you should first make sure you have adequate homeowner’s insurance coverage.
The good news is that standard homeowners insurance tends to cover damage by disasters including hurricanes, storms, and more. However, when reviewing policies, you should look for a policy that covers enough so that you can rebuild your home in case of a total loss.
Take note of the hurricane deductible as well to make sure it’s an amount you are comfortable with.
If you anticipate hurricanes and/or flooding, you must get a separate flooding policy! Flooding damage to homes isn’t covered by the typical homeowner’s insurance.
It’s also a good idea to do an inventory of your home’s belongings and their value. That way you can speed up the insurance claims process and have it be more accurate as well. 
If you rent a home, know that you need a renters policy to protect your possessions against loss/damage, as the landlord will only cover the home’s physical structure.
Sometimes, hurricanes result in the need to relocate. If you need to resituate yourself, make sure your insurance covers additional living expenses (ALE). This is important because ALE covers things like hotel bills, restaurant expenses, and more. 
Take note of the ALE amount of the policy you’re reviewing, as the recommended limit will vary based on where you live due to differing costs of living.
As for vehicular insurance, make sure you have comprehensive coverage, which typically covers hurricane damage, including water and flood damage, as well as total losses. Again, review the deductibles to make sure they are reasonable. 

How do you get the most comprehensive coverage?

If you’re looking for a comprehensive coverage insurance policy that covers hurricane damage,
is here to help. 
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