Is Hurricane Damage Covered In Home Insurance? 
It depends on where you live and the type of policy you have . In certain states you have to purchase separate Wind/Hail coverage so hurricane coverage is not included . In Virginia , wind/hail coverage is included in most policies unless you live near the coast . Coastal policies typically excluded wind/hail coverage or they will have a separate deductible . For example , you may have a $ 1,000 standard deductible but a 1 % - 5 % named storm or hurricane deductible . A percentage deductible is a big difference so make sure you are aware of what your policy includes . 