hurricane damageHurricane Damage In Florida

What is Hurricane Insurance?

Hurricane insurance is designed to cover the damage that is caused by wind and rain. Because Florida is an area that is prone to hurricanes, it is important for everyone to have Hurricane Insurance.  Your homeowners insurance policy may not cover damages caused by hurricanes or may exclude certain things from coverage

Key Things To Know About Hurricane Insurance

Flooding is not Covered

Wind damage and wind driven rain damage will be covered by hurricane insurance. However, if your home floods due to the hurricane, then this may not be covered by hurricane insurance. You will need to have flood insurance. If you do not have flood insurance, then you should ask your hurricane insurance policy provider if they would cover part of the damages. Every insurance policy is different, so the coverage that you get can vary.

Your Homeowners Insurance Policy MAY Cover Only Some of the Damages

While a homeowners insurance policy may not cover hurricane damage, there are some damages that still may be covered. If there is structural damage done to your home, then it will likely be covered by your homeowner’s insurance policy. That is why you should check with your homeowner’s insurance provider if your home has suffered structural damage.

How to File a Hurricane Damage Claim

You will need to report your claim to the insurance provider as soon as possible. Claims are typically handled on a first-come, first-serve basis. Write down the claim number after you have filed. You should also keep track of any expenses that you incurred as the result of the hurricane such as evacuation costs, hotel and meals.

Contact a West Palm Beach Personal Injury Attorney

If your home has been damaged by a hurricane, then you should contact Smith & Vanture. We will help you get the maximum compensation for your hurricane damages. Smith & Vanture understands the frustration that comes along with dealing hurricane damage. You may contact our office at (800) 443-4529 or online at