What does my Homeowner Insurance Cover for Hurricane Harvey?

A homeowner’s insurance policies vary state by state and company by company. However, most insurance policies will cover the following:

  • Damage to the structure of your home.
  • Damage to other structures on your property, including garages, boathouses, fences.
  • Damage to the contents of your home such as furniture, rugs, appliances, clothes and other items in your house as long as those items are not specifically excluded from your policy.
  • Loss of use coverage gives you some money for living expenses if your home is not safe to stay in due to damage.
  • Wind damage is typically covered under your basic homeowner’s policy unless you live near the coast. If you live on the coast, you need to check your policy to see if you have wind coverage.
  • Water damage coverage under your homeowner’s policy depends on where the water comes from. Most policies will cover the “sudden and accidental water damage” like the bursting of a pipe. However, a homeowner’s policy may not cover water damage if the damage is due to flooding.
  • Hybrid Wind and Flood damage. Given the nature of hurricanes, your home may have sustained both wind and flood damage. If this is the case, your insurance company is required to pay for the damage covered under your policy.