What Storm Damage Is Not Covered by Standard Insurance?

Most standard homeowners policies do not cover flooding, which includes water from storm surge, heavy rain overflowing rivers, or rising groundwater. If a hurricane brings ocean water onto your property, that is typically considered flood damage, not wind damage. You need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.

In Port St. Lucie, the Atlantic hurricane season brings heavy rain and storm surge risk. Knowing whether your policy covers wind-driven rain but not rising water is important. If water enters from the ground up, it is usually flood. If rain comes through a broken roof or window, it may be covered as wind damage, but only if the roof was not already worn out.

Standard policies often exclude earth movement, which includes landslides, mudslides, and sinkholes. A storm can trigger these events, but the damage is not covered under typical homeowners insurance. Sinkhole coverage may be available as an endorsement in some states, but it is not automatic.

If a storm causes the ground to shift and crack your foundation, that is likely excluded. Check your policy for earth movement exclusions. In Florida, sinkhole coverage is sometimes offered separately. You may need to buy additional coverage if you are concerned about this risk.

If a storm makes your home uninhabitable, your policy may cover additional living expenses, such as hotel stays and meals. However, these are often subject to time and dollar limits. Once you reach the limit, you pay out of pocket.

Track all your expenses if you are displaced. Keep receipts for lodging, food, and other costs. Your insurance company will review what is reasonable and necessary. Policies vary, and your insurer decides what is covered, so review your coverage limits before a storm.