Hurricanes unleash a dangerous combination of wind, rain, flying debris, and flooding—often destroying multiple parts of a home in a single, chaotic event. Roofs are torn off, windows shattered, siding peeled away, and interiors flooded—leaving homeowners with overlapping damages that can be difficult to sort out. While most homeowners policies cover wind-related destruction, storm surge and flood damage are typically excluded unless you carry a separate flood insurance policy. Even then, the claims process can be fragmented, confusing, and loaded with technical requirements.
You may face steep hurricane deductibles, strict timelines for notifying insurers, and documentation demands for everything from emergency board-ups to temporary living arrangements. Damage that spans wind and water can trigger disputes over what caused what—delaying payouts or splitting coverage between two insurers. Gaps between your policy limits and the actual cost to rebuild are common, especially after widespread storms that drive up labor and materials prices.
At Loti, we bring structure to the chaos. We act quickly to assess all damages, separate causes of loss, and help you build a clean, defensible claim that aligns with your policy—down to the line item. From wind to water, structure to contents, emergency repairs to temporary housing, we coordinate every part of the process so you’re not left navigating it alone.
OUR APPROACH
Hurricane Damage—Total Losses Require Total Coordination
Photograph all damage from wind, water, fallen debris, and flying objects
Separate and label wind damage vs. flood or storm surge damage in your records
Save receipts for emergency work—boarding up, water extraction, tarping, or temporary relocation
Request your full insurance policy and hurricane deductible terms so you understand your exposure
Track all out-of-pocket expenses related to displacement, food, travel, and temporary utilities
Key Steps We Help You Take After A Hurricane:
We also help evaluate your policy’s coverage for extended replacement costs, ordinance/code upgrades, and loss of use—often overlooked but critical in major hurricanes. Our team prepares estimates based on real contractor pricing and helps you negotiate every component of the claim, from building damage to personal property to additional living expenses.
At Loti, we don’t just submit claims—we manage them end-to-end, across policies, coverages, and causes of loss. When a hurricane upends your life, we help you get back on solid ground, faster and more fully than your insurer may offer on their own.
FREE RALLYBACKS
Windstorms, hail, and hurricanes are among the most common and destructive natural disasters that can affect your home. These weather events can cause significant damage to your property, leading to costly repairs. Fortunately, most standard homeowners insurance policies include coverage for such events under the windstorm, hail, and hurricane peril. Understanding this peril, what it covers, and any limitations or exclusions is crucial for homeowners, especially those living in areas prone to severe weather.
This detailed guide will explain what the windstorm, hail, and hurricane peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Hurricane Peril in Your Homeowners Insurance Policy: A Detailed Guide
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