Before, During, & After The Storm: How Home and Flood Insurance Work Together to Help You

Storms bring more than just wind and rain. They can also leave behind significant and costly damage. For homeowners, understanding how different types of insurance work together is a key part of being prepared. While homeowners insurance may cover certain storm-related losses, it typically excludes flooding. That’s why carrying both homeowners and flood insurance may be essential to help protect your property and financial well-being.

Before the Storm: Understand Your Coverage

Homeowners insurance typically covers damage from wind, hail, fallen trees, and other storm-related hazards. However, flood damage is considered a separate risk and isn’t usually included. Flood insurance, which can be purchased through the National Flood Insurance Program (NFIP) or private insurers, may help cover losses from rising water, including damage to your home’s structure and personal belongings. Reviewing both policies in advance—especially coverage limits, exclusions, and waiting periods—can help you better understand your protection and prepare accordingly.

During the Storm: Stay Safe and Document When Possible

While insurance can’t prevent a storm, it may help you recover from one. Your top priority during severe weather should always be safety. If conditions allow, documenting damage with photos or videos as it occurs can be helpful when filing a claim. Temporary repairs (e.g., covering a broken window or tarping a roof) may be reimbursable depending on your policy. Remember to keep receipts and note any actions taken.

After the Storm: Filing Claims and Moving Forward

Once the storm has passed, focus on documenting the damage and beginning the recovery process. Keeping clear records—photos, receipts, and notes from any conversations with adjusters—can help support your insurance claims and reduce delays.

Home and Flood Insurance in Punta Gorda, FL

While no policy can eliminate the stress of a storm, having both homeowners and flood insurance may offer stronger financial protection. Each policy plays a distinct role; together, they can help you recover more fully. Contact Harbor Star Insurance, LLC to find out more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.