Insurance Claims FAQs

Difference Between Tropical Storm & Hurricane Damage?

How Does the Difference Between the Two Affect Your Insurance Claim?

Generally speaking, it won't make a difference whether your home or business was damaged in a tropical storm or a hurricane. On a practical level, the damage can be the same regardless of what type of storm it is. Although a hurricane produces heavier rain and more intense wind and flooding, a building can still be subjected to significant damage in a tropical storm, including wind, rain, storm surge, mud, mold and debris. Many business policies state that windstorm coverage and flooding are usually listed under the same cause of damage.

Every insurance policy is unique, so if you have a cause for concern about what types of damage are covered, it is important that you don't hesitate to speak with your insurance agent or broker.

A hurricane is a type of tropical cyclone that brings with it thunderstorms and high winds. Hurricanes and tropical storms are both types of tropical cyclones. The difference is in the intensity. A hurricane is the most intense type of tropical cyclone with sustained winds of 74 mph or higher. Sometimes damage caused by hurricanes isn't covered by traditional homeowners' insurance policies. Especially living in the Gulf Coast, you understand how important coverage for hurricanes and tropical storms is. In most cases, you should be covered by your insurance in the event of a tropical storm or a hurricane, but sometimes insurance agencies withhold payments that rightfully belong to policyholders.

If you are unsure about your policy or believe that insurance money is being withheld from you, then you should seek legal help from a firm experienced in dealing with tropical storms and hurricanes.

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