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Are You Prepared for the Next Storm?

Gulf Coast homeowners face unique risks from hurricanes, tropical storms, flooding, and severe weather. Reviewing your coverage before storm season is one of the most important steps you can take.

• Many homeowners assume their standard homeowners policy covers all storm-related damage — but that's not always the case. Wind, hail, flooding, and hurricane damage may each be covered under different policies or endorsements.
• Flood damage, for example, is typically not covered by a standard homeowners policy. Separate flood insurance — often through the National Flood Insurance Program (NFIP) or a private insurer — may be required.
• Hurricane deductibles work differently than standard deductibles and can be significantly higher. Understanding how your deductible applies before a storm is critical.
• Additional Living Expenses (ALE) coverage can help pay for temporary housing and living costs if your home becomes uninhabitable after a covered loss.

Coverage varies by insurance company, policy, and location. This information is educational only. Speak with a licensed insurance professional to understand your specific coverage.