Skip to Content

Hurricanes and Insurance: All Water Damage Isn’t the Same When It Comes to Coverage

How does your property insurance cover severe weather? Or does it? There are often policy statements that can limit or deny coverage for certain kinds of damage caused by extreme weather. If you live in an area that is affected by severe weather (which is almost all of us), then you need to understand what kinds of insurance you need and how flood insurance is needed for coverage of water on the ground. had a very accessible article describing what the different types of insurance cover and why you need to assess your insurance needs well before a storm is on the way. You can read it at

Flooding from El Nino, CA Mar 1998. Source: Dave Gatley, FEMA