Are damages from our recent tropical storm covered under my home insurance policy? Miguel F., Daytona Beach Florida

Miguel,

As always, please contact your insurance agent for the specifics on your policy. However, feel free to use our feedback as a guide: While your policy will most likely not claim to cover hurricane damage, most standard home insurance will provide coverage for the damages that hurricane force wind, hail and lightening may cause. When interpreting a home insurance policy it is important to know that your policy covers damage caused by a specific peril (wind, hail, lightening) not by a specific storm system. So yes, while damages caused to your home during a hurricane will most likely be covered under a standard policy, you will find this coverage under the wind and hail portion of your policy.For more information about standard home insurance take a look at this article: Home Insurance 101.  It outlines what specifically is covered and not covered under a basic home insurance policy. 

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