Question 1

How is hurricane damage covered by insurance?

Accepted Answer

Wind damage from hurricanes is typically covered under standard homeowners insurance. Storm surge and flooding require separate flood insurance through FEMA or a private carrier. Getting both coverages properly documented and applied requires expertise in concurrent causation analysis — which is part of what we do.

Question 2

My insurer has a "hurricane deductible" — is that different from my regular deductible?

Accepted Answer

Yes. Many coastal policies have a separate hurricane deductible — often 2–5% of the dwelling's insured value. This can be significantly larger than the standard deductible. We work to ensure every covered dollar of damage above that deductible is fully recovered.

Hurricane claims are fought in the details.

What hurricane & severe weather claims look like

What insurers routinely undervalue

Where We Work

Hurricane & Severe Weather Claims — FAQ