How will insurers distinguish between wind and flood damage when settling the claim?
Generally speaking, wind damage is covered under a homeowners insurance policy and flood damage is covered under a flood insurance policy issued by the National Flood Insurance Program (NFIP). It is not unusual for flooding to accompany a hurricane. The insurance industry has many years of experience settling claims with different causes of loss. Each claim will be evaluated on a case by case basis. Seasoned insurance adjusters will utilize NFIP guidelines in apportioning losses between a flood insurance policy and a homeowners insurance policy.
