AI-assisted summary

Homeowner's insurance typically covers wind and hail damage, often with a separate hurricane deductible.

Flood insurance is a separate policy covering damage from storm surge, heavy rain, and rising water.

Homeowners should review their policies for coverage gaps, exclusions, and limits, especially regarding flood damage.

Creating a home inventory and considering hurricane-impact windows and doors can help mitigate potential damage and financial loss.

Q: We’re in the middle of hurricane season and I’m not sure what my insurance policies cover. What should I be looking for?

A: It’s a great question because the reality is there is no single policy called “hurricane insurance." Coverage is often a combination of your homeowner’s policy and a flood policy, each with

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