What types of damage are covered by my insurance policy after Hurricane Milton?

After Hurricane Milton, the types of damage typically covered by your insurance policy will depend on the specifics of your policy. Most standard homeowners’ insurance policies cover wind-related damage caused by hurricanes. Here are some common types of damage that are usually covered:

1. Wind Damage

Wind damage is the most common form of damage covered in standard policies. This includes:

• Roof damage (e.g., missing shingles, holes)
• Broken windows or doors
• Damage to siding or exterior walls
• Uprooted trees or debris impacting your home or property

2. Rain Damage (if caused by wind)

If rain enters your home due to wind damage (e.g., through a broken window or damaged roof), this type of water damage is often covered under a standard policy. However, it must result from wind damage for it to qualify.

3. Personal Property Damage

Damage to personal belongings inside your home may also be covered if caused by wind or rain entering due to storm damage. Coverage typically includes furniture, electronics, appliances, and other valuables.

4. Debris Removal

Most policies include coverage for removing debris caused by the hurricane, such as fallen trees and branches that have damaged your property.

5. Additional Living Expenses (ALE)

If your home is uninhabitable due to hurricane damage, your policy may cover Additional Living Expenses (ALE). This includes costs for temporary housing, meals, and other necessary expenses while your home is being repaired.

6. Outbuildings and Other Structures

Damage to other structures on your property, such as sheds, detached garages, or fences, is usually covered by a standard policy as long as the damage was caused by wind or debris from the hurricane.

What’s Not Typically Covered:

• Flood Damage: Flooding caused by storm surges, heavy rains, or rising water levels is generally not covered by standard homeowners’ insurance policies. You would need a separate flood insurance policy to cover flood-related damage.
• Maintenance or Pre-Existing Conditions: Damage resulting from pre-existing structural issues, poor maintenance, or wear and tear is not covered.

To confirm the specific coverage for Hurricane Milton damage under your policy, it’s essential to carefully review your insurance policy and speak with Williams Law, P.A.’s Florida hurricane insurance claim attorneys if needed.