08/27/2026
Global Hurricane Coverage Gaps to Review
As hurricane season approaches, I always encourage clients to take a close look at their current insurance protection—especially when it comes to wind, rain, and flood coverage. Many standard home and business policies will cover wind damage or rain that enters through an opening caused by wind, but most do not include flood damage from rising water or storm surge. That coverage almost always requires a separate policy, and it’s important to know that federal flood insurance typically has a 30-day waiting period before it kicks in—so waiting until a storm is on the radar can leave you unprotected.
Another detail I often see overlooked: flood policies may separate building coverage from contents coverage. That means your furniture, clothing, or electronics may not be protected unless you specifically include them. For homeowners and business owners alike, reviewing these details before severe weather hits is essential.
In my years working with families and business owners across New Mexico, I’ve learned that hurricane damage can impact more than just the building itself. Fallen trees, for example, could trigger claims for roof damage, debris removal, or even landscaping—but the limits and rules can vary widely from one policy to the next. For business clients, storm losses often go beyond property damage to include downtime, lost inventory, equipment issues, and interrupted income. That’s why reviewing your flood protection and business interruption coverage before the season intensifies is so important.
If a storm does cause damage, start by documenting everything—photos, videos, receipts—before moving forward with your claim. My team and I are always here to help you navigate these moments and make sure you have the information you need to protect what matters most.