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What's covered by hurricane insurance?

Posted On Tue, June 1, 2010

Hurricane season officially begins today and many on the Gulf Coast may be wondering what is and is not covered by their home hurricane insurance plans.

One thing some consumers may be surprised to learn is that these home insurance plans don't cover flooding itself, according to television station WESH in Orlando. Damage caused by water in areas that are also damaged by wind is covered, as insurance companies deem that to be damage caused by a hurricane.

However, the station said, damage caused by water rushing into an area that is unaffected by wind is not covered by hurricane insurance. Many victims of Hurricanes Katrina and Rita were left without insurance payouts because much of the damage caused in their homes was from flooding.

The report recommends that Florida residents keep a camera handy to document any damage caused, and to be prepared to live with any damage while waiting for an insurance adjuster to inspect it.

A report from FOX 13 in Tampa had similar advice, and said that whether consumers should get flood insurance is dependent upon their home's elevation above sea level. The higher the home, the less the need for flood insurance.ADNFCR-2297-ID-19812176-ADNFCR

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