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Hurricane Protection and Insurance for Hurricane and Water Damage.

It’s true that there is no such a thing as “hurricane insurance”. Instead, you can find a combination of purchasable insurance policies to protect your home from hurricane damage. If you live in an area that is likely to be affected by a hurricane, we suggest purchasing the insurance that has the most coverage you can afford. In this article, we will discuss the devastating damage a hurricane can cause and see how a standard home insurance will not always cover the damage.


A combination of a complete insurance policy as well as a high-quality hurricane protection will definitely make the difference to you! If you want to get more info about our AstroGuard hurricane fabric, get in contact with us!


  • Hurricane wind damage covered by homeowners insurance

  • Hurricane and water damage covered by flood insurance

  • Why you need both home and flood insurance for a hurricane

  • How much does hurricane insurance cost?


Hurricane wind damage covered by homeowners insurance

The first step to protect your home against a hurricane can be hiring a home insurance policy, which can be complemented with windstorm insurance or flood insurance. The standard insurance protects your home from damage caused by heavy winds; that is, if heavy winds rips off your shingles, your policy would reimburse you for those damages. Sometimes, your policy can also have a hurricane deductible.


Coverage for wind damage: Windstorm insurance

It is possible that in some states like Louisiana, Texas and Florida, companies may request you to buy an extra windstorm insurance policy, besides the standard one. This means that all damage caused by strong winds, will fall under this policy instead of your traditional homeowners. Apart from getting coverage for tornadoes, you will get covered for cyclones, tornadoes and all high-speed wind damage. Get in contact with your insurer to see if a separate windstorm policy is needed.


Today, many insurance companies require homeowners to install approved hurricane protection. This not only reduces claims to the insurance company, but also protects you from storm damage. We have the accurate products for you! Astroguard hurricane fabric is highly recognized and approved by highly-recognized insurance companies.


Hurricane deductibles


A hurricane deductible is something you need to consider as well. In highly risky areas along the 19 states, you might need to pay a hurricane deductible, which is different from your normal deductible, before you get a reimbursement for a claim stemming from hurricane damage. This deductible can be between 2% and 5% of your house’s total insurance.



For instance, if your house is insured for $500,000, the deductible will be for the first damages up to $15,000 to $25,000. Nevertheless, hurricane deductibles are not always based on percentages; in Florida, you must be offered the option of a $500 flat-rate hurricane deductible, despite the fact that your premium may be higher than other required options you may choose: 2%, 5% or 10% of the insured value of your home.


In order for the deductible to be activated, the storm needs to be a named hurricane and meet certain other conditions like it reaching land. You will need to get in contact with your insurance company to determine if you need to pay for the hurricane deductible.


Be careful that you might need to pay several thousands of dollars out of pocket for your home to be repaired after a hurricane. If your house is insured for a high value, we highly recommend you to keep the funds for the deductible readily available.


Hurricane and water damage covered by flood insurance

Flood insurance policy is the second part that makes a "hurricane insurance" . Flood insurance takes care of the damage to your home and your belongings caused by an external flood. In case a hurricane causes rising flood waters and the water gets into your home, you won’t have to worry if you have a policy. Flood damage is expensive — just a little of flood water can cause approximately $10,000 worth of damage, when the average flood insurance claim costs $30,000.



If you live in a hurricane-prone area, you might be requested to hire a flood insurance policy as well, particularly if you are financing your home . If you want to know if your area is in danger of flooding, the easiest way is to look at your community’s flood map. Lots of communities across the country take part in FEMA's flood mapping program, which is really helpful to see if you are in a flood zone.


Flood maps are categorized into several "risk" categories. If you live in an "X" or "A" categorized zone, your house is at the highest risk for flooding, so, we’d better have a flood insurance policy. In case you are in a "B","C" or "X" zone, you live in a more moderate zone. Be careful since about 25% of all flood insurance claims come from these zones. In case a hurricane is expected to hit your area whenever and you live in a moderate zone, we suggest getting a flood insurance policy as well.

If your area is labeled as too risky for flooding, get our AstroGuard hurricane protection shield. You won’t regret it, we are offering you one of the safest systems in today’s world.


On the contrary, if you live in an area that has little chance of being flooded by a hurricane, then you can probably abstain from the flood policy, but bear in mind that our system does not only stand water, but also wind and flying debris.


Why home and flood insurances are needed in case of a hurricane take place

It does not matter if you have a homeowners policy or a home and windstorm policy, coverage will never be enough when a hurricane hits. A hurricane involves not only wind, but also water. In the case of windstorm policy, it will only cover you from strong winds. You need to avoid having an uncomfortable moment with your insurance company when discussing if the damage was caused by wind or water.


In 2012, for example, during Hurricane Sandy, a home crashed and destroyed a neighboring. The destroyed house’s owners claimed that it was wind that blew the neighbor's home into theirs, while the insurer contended it was actually water. Eventually, it was considered as caused by water, so the homeowners did not get any money for their damages. This is where flood insurance becomes relevant.


All in all, we recommend you not only to have a good flood insurance policy, but also an effective hurricane protection system. Get in contact with us, ask about our hurricane window covers and get your free quote today!



How much does hurricane insurance cost?

The average price of homeowners insurance is about $1,445 per year, while the price for flood insurance is $734 per year. This means that, on average, a homeowner would pay $2,179 to protect their home from a hurricane. If you want to pay for extra windstorm coverage, it will be more costly, but the amount you finally pay will depend on the value of your home as well as its proximity to a body of water.


If you live in a high-risk flood area, you might spend a lot of money on your flood insurance .This is a key factor to consider before buying a home close to water. It is also possible that very valuable homes have more expensive home insurance policies. Bear always in mind that the more valuable the property, the more you have to lose if a hurricane takes place.


After this information, full insurance is essential for your safety and your economy. Besides, it is important to highlight the importance of our AstroGuard products. AstroGuard hurricane fabric doors as well as hurricane window covers are extremely significant when a natural disaster such as a hurricane hits the land. Even though Astroguard hurricane fabric is considered expensive, you will be saving a lot of money and time if this disaster takes place. We adjust to your budget.

Another thing to consider is that Installing Astroguard can be an easy task (DIY), but we really recommend you to request professional assistance when performing the task.


Astroguard Hurricane Fabric

Get your free quote today! You won’t get disappointed. Astroguard is a top-notch hurricane protection system for today’s world.



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