The coverage homeowners insurance provides for hurricane damage can vary depending on the specific policy and the insurance company. However, in general, homeowners insurance typically covers: Wind damage. Homeowners insurance typically covers wind-related damage caused by hurricanes, including structural damage to the home, roof, windows, and doors. This coverage may extend to other structures on the property, such as garages or sheds. Damage from falling objects. If high winds cause objects like trees, branches, or debris to fall onto your property and damage your home, homeowners insurance generally covers the cost of repairs. Water damage. Homeowners insurance usually covers water damage caused by hurricanes, such rain entering through a damaged roof or broken windows. However, standard homeowners insurance does not cover flooding caused by rising waters (storm surge). That requires separate flood insurance. If you live in a coastal or low-lying area, you should add flood insurance coverage to your policy if you haven’t already. Additional living expenses. If your home becomes uninhabitable due to hurricane damage, homeowners insurance usually covers additional living expenses. This coverage can pay for temporary accommodations, meals, and other expenses you incur while yoe repair or rebuild your home. Personal belongings. Homeowners insurance typically covers the loss or damage of personal belongings caused by hurricanes, including furniture, clothing, electronics, and other possessions. However, insurers may limit coverage for certain high-value items, such as jewelry or artwork. You might require additional coverage through policy endorsements or separate insurance to pay for those items. Our hurricane damage attorneys can review your policy with you to explain the specific coverage, exclusions, deductibles, and limits that apply to hurricane damage.