Does insurance pay for hurricane damage?
Short answer. Yes, but different policies pay for different parts. Your homeowners policy pays for wind damage, such as a torn roof or a tree blown onto the house; a separate flood policy pays for rising water and storm surge; your auto policy's comprehensive coverage pays for a damaged car; and FEMA disaster aid may help with uninsured basics after a federal declaration.
Who pays for what
- Homeowners policy: wind damage to the roof, siding and windows; trees blown onto structures; rain through wind-made openings; belongings damaged by those openings; extra living costs.
- Flood policy: water rising from outside, including storm surge and overflowing creeks. Through the National Flood Insurance Program or a private flood insurer.
- Auto comprehensive: flood or tree damage to vehicles.
- FEMA Individual Assistance: grants for basic needs not covered by insurance after a presidential disaster declaration. It does not duplicate insurance benefits.
Deductibles stack
Each policy has its own deductible. A hurricane can bring a homeowners wind or named storm deductible, a flood deductible and an auto deductible all at once. Know them before the season, and keep cash or credit available.
File everything early
- Report to each insurer as soon as it is safe.
- Photograph damage and water lines before cleanup.
- Make temporary repairs and keep receipts.
- If FEMA aid is available, register by its deadline, even while insurance claims are pending.
For North Georgia homes
Tropical systems usually reach North Georgia as wind and heavy rain. The common claims are fallen trees and wind-torn roofs, which are homeowners policy claims, while flooding is limited to low-lying areas near creeks and rivers.
More: wind damage roof claims and wind and hail deductibles.