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Does your insurance cover hurricane damage? 3 things to check

storm at the beach

That swirling colorful mass headed towards your city. A reporter at the beach drenched in rain. We all recognize the signs of an approaching hurricane. Yet do you know what’s covered under your insurance policy if your home is damaged?

You might think it’s a good idea to buy extra coverage right before a storm hits, but in fact, many insurance companies will suspend new coverage and coverage changes during that time.

So as hurricane season begins, it’s a great time to plan ahead and check your insurance policies to make sure you understand what’s covered—and add anything additional you may need. Here are 3 things to review.


  1. Your homeowner’s policy

    Does your homeowner’s policy specifically mention hurricanes and windstorms?

    • Most of Chubb’s homeowner’s policies provide “all risk” coverage, and physical damage to your home caused by hurricane or windstorm may be a covered loss. However, a special deductible may apply in lieu of your standard deductible. And we look for ways to do more in case of serious damage—like finding you a premium hotel to stay at or making sure your pets are safe.
  2. Your seasonal home

    What do you do if your vacation home could be hit by a hurricane?

    • Chubb Property Manager is a complimentary service for Chubb clients in select states that can assist you by: conducting an automatic home inspection, providing a property condition report, and working quickly on filing a claim or short-term repairs.
    • You are eligible for this service if you have a secondary or seasonal property with wind coverage. However, condos, co-ops, and renter’s properties are not eligible at this time.
    • Already a Chubb client? To find out if you’re eligible for Chubb Property Manager and to enroll, click here.


  1. Your flood policy

    • Most typical homeowner’s policies don’t cover flood damage due to hurricane, including storm surge or flooded rivers and lakes, on their own. You may be able to purchase a separate flood policy through the National Flood Insurance Program to help cover damages.
    • However, our Chubb Personal and Excess Flood Insurance goes beyond what the National Flood Insurance Program can provide by offering you better protection—like coverage for proactive measures, higher limits, replacement costs, and more. To learn more and find out if you’re eligible, click here.


With Chubb, you’ll get comprehensive, not patchwork, coverage

  • We’re committed to being there with you every step of the way during hurricane season. And 97% of our clients with a paid claim are highly satisfied with their experience.
  • Find an agent to receive a quote today. Or if you’re already a Chubb client, log in to review your coverage.

This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.

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