The Impact of Natural Disasters on Homeowners Insurance Coverage

December 23, 2022

The state of Florida is no stranger to hurricanes. This year alone, catastrophic winds and flooding from Hurricane Ian resulted in over forty billion dollars worth of damage statewide. Before disaster strikes, it’s important to be up to date on a homeowners insurance Tampa policy. Although having this coverage is crucial, homeowners need to be aware of exactly what kind of damage their policy will cover. Let’s take a closer look at how Tampa homeowners insurance coverage works, and how you can protect your home and family during natural disasters.

What Does Homeowners Insurance Cover?

Homeowners insurance is a type of property insurance that covers a residence and its contents in the event of certain losses or damages. Every policy is different, but most homeowners insurance Tampa policies cover four key items.

These include:

  1. Physical structure of the home (walls, roof, foundation)
  2. Personal belongings (furniture, clothing, appliances)
  3. Liability protection (covers the homeowner if they are sued)
  4. Additional living expenses (hotel/restaurant bills if the owner must temporarily live elsewhere)

Will Homeowners Insurance Cover Damage Caused By Natural Disasters?

Typically, homeowners insurance provides protection against losses or damages caused by fire, windstorm, hail, lightning, theft, and vandalism. Most Tampa homeowners insurance policies with HH Insurance do not cover damage caused by floods or earthquakes. Although earthquakes are not usually a problem in Florida, floods are very common and can cause a lot of damage to your home. It’s recommended that homeowners open a separate flood insurance policy to ensure they are protected at all corners.

Trust The Leading Homeowners Insurance Tampa Providers

HH Insurance strives to provide premier service and comprehensive insurance packages to all clients. To make things more simple for our clients who are new to Florida, we also offer Florida flood insurance and Tampa boaters insurance. We want our clients to feel safe and have the peace of mind that their homes will be protected when unforeseen circumstances arise. We understand how easily homes and belongings can be ripped away or tarnished during natural disasters. To avoid this emotional and financial distress, it’s best to hold active flood insurance and homeowners insurance Tampa policies before it’s too late.



**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.