Wind damage might not be covered in insurance policies in hurricane areas.

[pnwmom]

Flooding from a natural disaster (as opposed to a broken interior pipe) is never covered by regular homeowners. (But special flood insurance can be purchased.) I hope people in Florida have adequate coverage.

http://www.360financialliteracy.org/Topics/Home-Ownership/Homeowners-Insurance/Will-my-homeowners-insurance-policy-cover-hurricane-damage

Keep in mind that if you live in an area of the country that is prone to hurricanes (e.g., the coastal region of Florida), an insurance company may exclude coverage for hurricane damage from a standard homeowners insurance policy. And even if an insurance company does provide coverage, homeowners insurance policies in states that are at a high risk for hurricanes often contain a separate, higher deductible for hurricane damage.

If you find that your current policy doesn't provide coverage for hurricane damage, you have a few options. First, check with your insurance company and ask if you can add windstorm coverage to your existing policy by purchasing an endorsement (an optional coverage that gets attached to your policy). Another option is to shop around and see if another company will sell you a homeowners policy that includes windstorm damage as a standard covered peril. You may also want to check to see whether your state administers windstorm insurance plans that pick up where regular homeowners policies leave off. If you live in one of these states, you may be able to purchase a separate windstorm policy to provide you with coverage for hurricane damage.

[customerserviceguy]

1. Insurance claim deniers

are as dangerous as climate change deniers.

[FSogol]

2. Maybe they have a "No Claim Policy?"

[Doreen]

3. Isn't that the same as not covering

wind damage because of a tornado? Nope, no wind there. What a bunch of vile fucks.

[Xolodno]

4. It may be a bit late if they haven't purchased any endorsement.

Whenever a hurricane is coming in, there is often a moratorium put in place by the company that doesn't allow any new policies to be bound.

Bottom line, wind damage from hurricanes needs to be part of a regional pool and run similar to flood insurance. Property & Casualty companies have been begging this for ages. But often a politician intervenes to get votes and says "why should us here in New Jersey pay for Florida?"....and momentum to push it through goes kaput.

If the state demands the insurance company to cover it all on their own and not allow it to be excluded, then two scenario's develop:

1. The insurer pulls out of the state.

2. The insurer only allows x number of policies to be written staggered through out the state and then stops binding new policies. Often leaving many without insurance available to purchase.

[jpak]

5. Lots of folks in TX and FL are going to have a major sad

and insurance folks will make out like the bandits they are...

yup

[genxlib]

6. This isn't some underhanded plot

It is common practice in Florida. Some policies include wind, some don't. When they don't, a second wind only policy is needed.

It isn't some dastardly plan. It is simply separating the responsibilities into the carriers willing to take on certain risks

For decades, the wind policies were impossible to get in certain areas so the state runs their own program.

Everyone here is aware of it. If you weren't, any competent insurance agent would advise you of it if for no other reason than to sell you the extra policy. Mortgages require it too.

It can be a terribly expensive but it isn't a surprise.