By Robert Malcolm · FL DFS #W716942 · Reviewed: · 1 min read
Short answer: From an insurance standpoint, storm surge is typically treated as flood, meaning it falls under your separate flood policy, not your homeowners policy. Wind damage stays on the homeowners side, while storm surge and rising water sit with NFIP or private flood coverage. This split is a common source of coverage gaps after Florida hurricanes.
The distinction that matters
- Wind damage: homeowners policy, hurricane deductible
- Wind-driven rain through a storm-created opening: homeowners policy
- Storm surge / rising water: flood policy (NFIP or private)
Post-storm reality
After a hurricane, damage is often both wind and water. Two claims, two adjusters, two policies. Each carrier will argue the damage came from the other's peril.
Documentation that matters
- Photos during and immediately after the storm
- Water-line heights
- Evidence of wind damage (roof penetrations, window breaches) that preceded water intrusion