Insurance Claims FAQs

Difference Between Tropical Storm & Hurricane Damage?

How the Difference Between the Two Will Affect Your Insurance Claim

Generally speaking, it will not 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 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.

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 do not 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 is not covered by traditional homeowners' insurance policies. Especially living in the Gulf Coast, you understand how important it is to have coverage for hurricanes and tropical storms. 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 an insurance claim lawyer experienced with these claims. Call (888) 493-1629.

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