Insurance
Homeowners, flood, and windstorm policies: what they cover, what they don't, and how to make sure you have the right coverage before the storm hits.
An introduction to this topic
USGS · Public domain Hurricane Insurance 101: Homeowners vs. Flood vs. Windstorm
A complete guide to the three policy types every coastal homeowner needs to understand: what each covers, where they overlap, and the gaps that leave people unprotected.
Read the guide →Hurricane Deductibles Explained
How hurricane, named-storm, and windstorm deductibles work: what triggers them, the 1%–10% percentage range, why coastal states use them, and how to plan for the cost.
How to File a Hurricane Insurance Claim: Step-by-Step Guide
How to file a hurricane insurance claim step by step: documenting damage, meeting deadlines, working with adjusters, and avoiding lowball settlements or denials.
Common Insurance Pitfalls That Leave Homeowners Underprotected
The most common hurricane insurance pitfalls: hurricane deductibles, flood exclusions, actual cash value traps, underinsurance, and claim mistakes to avoid.