Typically, coverage will apply if there is an action taken by a civil authority that has prohibited you from using the premises, such as an evacuation order. Additionally, the storm must cause damage to neighboring premises as specified in the policy.
It is important to use your best judgment in the event of an impending storm to take appropriate action to keep you and your family safe. Always follow emergency information and alerts. If you live in a mandatory evacuation area and officials tell you to evacuate, do so immediately.