What If The Water Damage Is From A Hurricane?

Flood insurance is often considered essential in Alabama, as flooding is the second most common natural disaster in the state. According to Alabama Flood Facts, Alabama receives an estimated 56 inches of rainfall annually, making areas near bodies of water, such as rivers, prone to flooding. Floods often occur in conjunction with other hazards, such as hurricanes, which can complicate insurance coverage.

Hurricane Coverage

Hurricane policies are designed to cover damage caused by hurricanes, including wind damage, broken windows, and the replacement of damaged property. If water damage results from a hurricane, the appropriate hurricane policy would provide coverage.

For instance, imagine gusts of wind tearing shingles off your roof, allowing rain to enter your home and cause water damage. This type of damage would be classified as hurricane-related, and the proper policy would cover it. It is essential to note that this water damage is not classified as flooding.

Many homeowner’s insurance policies include coverage for wind and hurricane damage. However, it’s essential to consult with an agent at Surety Ins Inc. to confirm the specifics of your policy.

Flood Coverage

Flood insurance covers explicitly damage caused by rising water. For example, if a hurricane results in heavy rainfall that causes a lake or river to overflow, leading to flooding and property damage, flood insurance would typically be applicable. This type of policy exclusively covers damage caused by rising water.

Understanding the nuances of insurance policies, coverage, and natural disasters can be a challenging task. In some cases, you may need to file claims under multiple policies to address damage from a single incident. Agents at Surety Ins Inc. are available to help you navigate these complexities. Contact us today to learn more. We proudly serve Alabama residents.