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