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Coastal Premier Insurance Group, Inc.

902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

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Which Disasters Are Not Covered By My Homeowners Insurance?

One of the most important considerations, when renewing or buying a new homeowners insurance policy, is whether the policy covers natural disasters such as earthquakes or hurricanes. Standard homeowners’ insurance policies in Boca Raton, FL provide coverage for many items such as fire damage or theft, but when it comes to “acts of God,” not all of them are covered.

Natural disasters like floods or earthquakes are not covered, especially if you’re living in a high-risk area. High-risk areas are those prone to floods or those that are located along active volcanoes. Homeowners are therefore advised to acquire supplemental policies which will cover specific kinds of natural disasters such as:


When it comes to flooding, not all flooding sources will be treated in the same manner. This is because flooding may be a result of plumbing failures, sinkholes, coastal surges, and river overflows. In many cases, homeowner policies will tend to exclude any damage related to flooding. The main exception is flooding caused by a damaged plumbing infrastructure such as a broken pipe. Coastal Premier Insurance Group highly recommends speaking to one of our agents to learn more about what water hazards home insurance covers.

Storm Coverage: Hurricanes

Boca Raton, FL homeowner insurance policies often cover natural disasters that may be related to wind damage. But, your standard homeowner’s policy will not provide coverage for flooding that accompanies storm surges that are associated with hurricanes. Any damage caused by tornadoes is typically covered as it is classified as wind damage. Water damage is also covered if water finds its way into the residence when your roof is damaged by the tornado.

If you have any more queries on the natural disasters that are covered by your homeowner’s insurance policy, please get in touch with Coastal Premier Insurance Group. Our homeowner’s insurance agents will be happy to attend to your needs.