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insurance

Does Homeowners Insurance Cover Hurricane Damage?

David Monforton
David Monforton 3 Min Read
An insurance agent sharing paperwork with an older couple on their front porch.

Hurricanes and storms can cause catastrophic damage, severe flooding, power outages and massive loss of property, and those left in the storms’ wake face a variety of challenges when they return home to survey the damage. One of the first things you need to do if you are faced with this situation is to contact your agent to file an insurance claim and get the ball rolling on repairs.

What you should know about homeowners insurance before you file a storm-related claim

  • Wind-related damage to a house, its roof, its contents and other insured structures on the property is generally covered under standard homeowner’s insurance policies. Wind-driven rain that causes an opening in the roof or wall and enters through this opening is also covered.
  • If your tree falls on your house, your insurance may cover removal of the tree and home repairs due to damage.
  • If your tree falls on your neighbor’s house, your neighbor’s homeowner’s policy would likely provide insurance coverage. The same holds true if your neighbor’s tree falls on your home; you would file a claim with your own insurance company.
  • If a tree falls in your yard, but doesn’t hit anything, in most cases you would pay for its removal.
  • Additionally, if a tree on your property is weak, damaged or decayed, but you do nothing about it and it crashes down, you could be held liable for any damage it causes.
  • Water that seeps into a home from the ground up is considered flooding and is generally covered by flood insurance, which is not included in standard homeowners or renter’s insurance policies. Flood insurance is available to both homeowners and renters, and is provided by the National Flood Insurance Program and a few private insurers. Be aware that there is a 30-day wait before a new flood insurance policy takes effect.
  • Homeowners policies may cover additional living expenses in the event a home is damaged by a covered peril. This would pay for reasonable expenses incurred by living elsewhere while the home is being fixed or rebuilt.
  • Physical damage to a car caused by heavy wind, flooding or fallen tree limbs is generally covered under the optional comprehensive portion of an auto policy, not homeowners insurance.

 

If you live in an area where hurricanes are a threat, be sure to review your insurance coverage with your AAA Insurance agent before a storm threatens to help ensure the policy adequately covers your needs.

Find an agent

What you should know before you file a storm-related auto insurance claim

  • Take photographs of any visible damage.
  • Contact your insurance company to make a claim and determine what is covered before seeking any repairs.
  • Any vehicle sustaining flood damage should be fully inspected before being allowed back on the road. If mechanical components, computer systems, engine, transmission, axles, brake system or fuel system have been impacted by water contamination, it may render the vehicle unfit to drive. In many cases, a vehicle that has sustained significant water damage is determined to be a total loss.

Weather preparedness

Hurricane Safety Guide

Stay ready for hurricane season with essential tips from AAA Insurance on preparing your home, vehicle and family before a storm hits.

Learn more

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.

Flood insurance purchased through AAA is underwritten by a participating insurer of the National Flood Insurance Program (NFIP). The NFIP is administered and regulated by the Federal Emergency Management Agency (FEMA).

Legal & Compliance Reviewed: March 2025

‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.

Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.