Your question sent me scurrying to our policy to look it up and I quote:
"Hurricane loss means any loss resulting from the peril of windstorm caused by a hurricane....windstorm means wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane which results in direct physical loss or damage to property."
There is a separate deductible for losses caused by a hurricane but hurricanes are covered. What gets murky though, are losses during a hurricane covered by flooding. You're supposed to have flood insurance to cover those.
You might remember that was a big bone of contention when Mississippi homeowners claimed losses from "Katrina" under their hurricane policies. The insurance companies wouldn't pay, saying the losses were from storm surge flooding and not wind-driven rain. In other words, the homeowners should have purchased flood insurance.
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