Life is unpredictable, and so is the weather. One day, you’re enjoying the sunshine in your backyard, and the next, a hurricane warning has you scrambling to secure your home. Natural disasters can strike at any moment, and when they do, the last thing you want is to discover your home insurance policy doesn’t cover the damage.
At Coomer Insurance, we understand the emotional and financial toll that disasters can take. This guide will help you understand what’s covered, what’s not, and how to ensure your home and loved ones are protected when nature strikes.
How Home Insurance Covers Natural Disasters
Home insurance policies are designed to protect against a variety of risks, but coverage can vary depending on the type of disaster and the policy you have. Below, we break down the major natural disasters and how homeowners’ insurance applies.
1. Hurricanes & Windstorms: Are You Covered?
Hurricanes are among the most devastating natural disasters, causing billions of dollars in property damage each year. Most homeowners’ insurance policies do cover wind damage caused by hurricanes and tropical storms, including:
Roof and structural damage from strong winds
Broken windows, siding damage, and fallen trees
Damage from wind-driven rain (if the home’s structure is compromised)
However, there are important exclusions to be aware of:
Flooding from hurricanes is not covered under standard policies – you’ll need separate flood insurance.
Some coastal states have separate hurricane deductibles – check your policy for this.
2. Flooding: One of the Most Misunderstood Insurance Gaps
Many homeowners assume flood damage is covered under their standard home insurance policy—but it’s not. This is one of the biggest misconceptions in insurance.
Flood damage is defined as water that rises from the ground, such as from storm surges, overflowing rivers, or heavy rainfall. This means:
If a tree falls on your home and rainwater enters—your home insurance covers it.
If water enters your home from overflowing streets or a storm surge—you need separate flood insurance.
How to Protect Your Home from Floods:
Consider a flood insurance policy through the NFIP or private insurers.
Check if your home is in a flood zone (FEMA provides flood zone maps).
Install flood barriers or sandbags before a storm.
3. Earthquakes: A Silent Threat That Requires Separate Coverage
Earthquakes can cause sudden and massive destruction, yet many homeowners don’t realize that earthquake damage is not covered by standard home insurance.
If you live in a high-risk area, such as California, Washington, or Alaska, you need an earthquake insurance policy to cover:
Structural damage, foundation cracks, and collapsed walls
Damage to personal belongings (if included in your policy)
Temporary housing expenses if your home is uninhabitable
What’s Not Covered?
Fire damage from earthquakes (this is covered by homeowners' insurance).
Flooding caused by an earthquake-triggered tsunami (this falls under flood insurance).
4. Wildfires: Are You Fully Protected?
With wildfires becoming more frequent and destructive, many homeowners wonder if their insurance will cover them. The good news? Most standard home insurance policies do include wildfire coverage.
Fire damage to your home and belongings
Smoke damage and repairs
Temporary housing if your home becomes unlivable
However, in wildfire-prone areas, premiums are rising, and some insurers are pulling coverage. If you live in California, Oregon, or Arizona, you may need to purchase insurance through state-backed FAIR Plans.
How to Reduce Your Wildfire Risk:
Keep defensible space around your home by clearing dry vegetation.
Use fire-resistant building materials for your roof and siding.
Ensure you have an up-to-date home inventory in case you need to file a claim.
How to Ensure You’re Fully Protected
No one likes surprises, especially when it comes to insurance. Follow these steps to make sure your home and finances are protected before disaster strikes.
1. Review Your Policy Annually
Ask your insurance provider about coverage limits and exclusions.
Check for any special deductibles (like hurricane deductibles).
2. Consider Additional Coverage for High-Risk Areas
If you live near the coast, consider hurricane and flood insurance.
In earthquake zones? Get an earthquake policy.
3. Create a Home Inventory for Claims
Take photos and videos of your home and valuables.
Store a digital copy of receipts for expensive items.
4. Reinforce Your Home to Minimize Damage
Install storm shutters and reinforce garage doors for hurricanes.
Use fire-resistant landscaping in wildfire-prone areas.
Elevate utilities if you live in a flood-prone zone.
Be Prepared, Not Scared
Natural disasters are a reality, but being informed and properly insured can make all the difference. At Coomer Insurance, we’re here to guide you through policy options and ensure your home is truly protected.
Not sure if you have the right coverage? Contact us today for a free home insurance review.
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