Is Hurricane Damage Covered In Home Insurance?

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   Ryan Andrew

   President, The Andrew Agency, Richmond, VA

   It depends on where you live and the type of policy you have. In certain states you have to purchase separate Wind/Hail coverage so hurricane coverage is not included. In Virginia, wind/hail coverage is included in most policies unless you live near the coast. Coastal policies typically excluded wind/hail coverage or they will have a separate deductible. For example, you may have a $1,000 standard deductible but a 1% - 5% named storm or hurricane deductible. A percentage deductible is a big difference so make sure you are aware of what your policy includes.

   Answered on September 16, 2013

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