How does home insurance cover hurricane damage?

Your home insurance policy can protect against hurricane damage in the following ways:

  • If a hurricane causes damage to your home’s structure, dwelling coverage may pay for repairs up to your policy’s limits.*
  • If your personal belongings are also damaged as a result of the hurricane, personal property coverage may pay to repair or replace damaged items, up to the limits of your policy.*
  • If you’re unable to live in your home due to damage from a hurricane, your policy’s loss of use coverage may pay for a hotel, meals, and living expenses above what you’d normally spend.

*Both dwelling and personal property coverages include a deductible. Note that your deductible for a windstorm claim might be set significantly higher than your policy’s deductible for other perils.

What is a hurricane deductible?

You may be required to have a separate home insurance deductible for hurricane losses, especially if you live in a high-risk area, such as along the Atlantic Coast. Your policy may include a “named storm” deductible, commonly referred to as a “hurricane deductible,” which will apply once a storm has reached a certain strength. For instance, if a storm moves beyond a tropical depression and eventually becomes a named hurricane that causes damage to your property, then your hurricane deductible will apply. With hurricane deductibles, you may pay a specified percentage, usually between 1-5%, instead of a flat amount, depending on your policy.

The conditions in which a hurricane deductible will apply, if your policy has one, vary from state to state. For certain states, the National Weather Service must declare the storm to be a hurricane. And in other states, the hurricane must reach a specific category level, such as 3 or 4.

Does homeowners insurance cover flooding from a hurricane?

Standard homeowners insurance policies won’t cover flood damage. You need a separate flood insurance policy to protect your home against flooding from the outside, caused by a hurricane. Some insurers offer a flood endorsement that can be part of your existing homeowners policy.

More questions about how home insurance covers hurricane damage?

Current Progressive customers

Call us at 1-866-749-7436 and we can explain how your policy might pay for damages resulting from a windstorm.

New Progressive customers

Quote online or speak with a licensed representative in your state by calling at 1-866-749-7436.