![]() Typically, hurricanes cause damage to homes because they produce high winds, excessive rain, flooding, and storm surge. How Does Hurricane Insurance Work?Īlthough all of us who live on or near the coast would like to have insurance coverage for damage caused by Hurricanes, there is actually no such thing as “hurricane insurance”. Here are some answers to questions we often hear from people regarding their homeowner’s insurance and severe weather. Hurricane Insurance BasicsĪs a homeowner and a consumer, the best thing you can do to protect your rights and your investment in your home is to arm yourself with knowledge about how homeowner’s and hurricane insurance works. Fortunately, in many cases, an experienced lawyer can help ensure that your insurance company treats you fairly and honors its commitment. While it is true that certain policies do provide full coverage, insurance companies are in the business of making money and will often try to interpret and apply their policies in the narrowest way possible in order to pay out as little as they can. Hurricanes and severe storms are part of life on the Gulf Coast, and many Biloxi homeowners simply assume that our homeowner’s insurance will protect our property from damage caused by the weather. Many of us remember the devastating effects of Hurricane Katrina, and many other storms. More storms will certainly be on the way, this year and in the coming years. Our neighbors in Alabama and the Florida Panhandle were not so lucky. According to the executive director of the Mississippi Emergency Management Agency, Mississippi “ dodged a very big bullet” with regard to Hurricane Sally. (AP Photo/David J.Whatever the cause, it seems that hurricanes and severe tropical storms are hitting Mississippi and other Gulf Coast states more frequently than in the distant past. Vehicles maneuver around a fallen sign in the aftermath of Hurricane Ida, Monday, Aug.A man rides a bike along Main Street in the aftermath of Hurricane Ida, Monday, Aug.(Hunter Dawkins/The Gazebo Gazette via AP) is completely flooded after the torrential downpour from Hurricane Ida on Monday, Aug. (Hunter Dawkins/The Gazebo Gazette via AP)/The Gazebo Gazette via AP) from the effects of Hurricane Ida on Monday, Aug. Boat washed up on the shoreline of Bayou Portage in Pass Christian, Miss.(Caleb McCluskey/The Enterprise-Journal via AP) Following Hurricane Ida's destructive path, volunteers and town officials alike in Osyka, Miss., began cleanup efforts to make the roads navigable for first responders and utility workers Monday, Aug.30, 2021 in Shoreline Park community in Bay St. A woman rides on the back of a tow truck through floodwaters Monday, Aug.Eddie Gonzales pilots his boat through floodwaters in search of anyone who may need help in the Shoreline Park community in Bay St.30, 2021 after floodwaters from Hurricane Ida surrounded her elevated home in the Shoreline Park community in Bay St. Stanley Delle, left, and Jeff Delle help 80-year-old Eileen Delle onto dry land Monday, Aug.A man wades through floodwaters in the Shoreline Park community in Bay St. ![]() after Hurricane Ida passed on Augin Biloxi, Mississippi. Two men help a stranded motorist in floodwaters on Beach Blvd. ![]()
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