Does Flood Insurance Cover Hurricane Storm Surge?

A flood insurance policy is a specific contract separate from your homeowners policy. It generally defines a flood as an overflow of tidal or inland waters, or an unusual accumulation of surface water. Hurricane storm surge, where ocean water is pushed ashore, fits this definition. The coverage applies to the direct physical damage the water causes to your building and personal property.

It is important to understand what the policy does not cover by default. Standard coverage usually excludes damage from wind-driven rain entering through a compromised roof or window. It also excludes moisture or mildew damage that could have been prevented after the flood. Policies vary, and your insurer decides what is covered. Reading your specific policy documents is the only way to know your exact protections.

Flood insurance has clear coverage limits and deductibles that apply separately to the building and your contents. There are maximum payouts, so a severe storm surge could cause damage exceeding your policy's limits. Living expenses, like hotel costs if you must leave your home, are not covered under a standard flood policy. You would need separate coverage for that.

Certain property is almost always excluded from coverage. This includes outdoor features like decks, patios, and swimming pools. Damage to vehicles is covered by your auto policy, not flood insurance. Currency, precious metals, and important papers stored in a flooded area are also typically not covered. Understanding these exclusions helps you manage risk and protect valuables appropriately.

• Separate building and contents coverage limits apply
• Outdoor property like fences and landscaping is excluded
• Temporary living expenses are not covered
• Damage from sewer backup may require an added endorsement
• Mold or mildew from delayed cleanup may be excluded
• Currency, securities, and valuable metals are not covered

Hurricanes cause damage from both wind and water. Your homeowners policy typically covers wind damage, like a torn-off roof. Your flood policy covers the storm surge that enters through the resulting opening. Determining which force caused specific damage can be complex and often requires a detailed analysis by the insurance adjusters from each policy. Policies vary, and your insurer decides what is covered.

• File separate claims for wind and flood damage
• Document the source of water entry clearly
• Homeowners insurance covers wind-driven rain entry
• Flood insurance covers ground-level rising water
• Be prepared for adjusters to assign cause of loss
• Keep all claim numbers and correspondence organized