Hurricane Season Starts Now: Is Your Coastal Property Ready For All Storms, Wind and Flooding?

As hurricane season arrives in Maryland, coastal property owners face unique challenges in insuring their homes. From powerful winds to heavy rains and flooding, the risks can be financially significant.

Understanding the Risks to Maryland Coastal Properties

Wind damage, storm surge and inland flooding can all strike in a single event, and standard homeowners insurance typically does not cover flood damage caused by external factors. Many homeowners may discover this gap only after a claim is denied.

Steps to Prepare Your Coastal Property

Here is where to start:

• Review your current policy and check specifically what it says about wind, hail, and named storms. Some insurers may issue a moratorium on binding new policies once a hurricane or tropical storm watch has been issued.
• Purchase a separate flood insurance policy either through the National Flood Insurance Program (NFIP) or a private carrier. Most flood policies have a waiting period before coverage takes effect.
• Check your deductibles carefully. Some coastal policies may carry a separate wind or hurricane deductible calculated as a percentage of your home’s insured dwelling coverage limit, not the amount of the damage, and this percentage-based deductible may apply differently than your standard flat-dollar deductible.
• Take photos and videos of your property and store copies digitally or in a safe.
• Ask about additional living expense coverage, which can help pay for meals and temporary housing if your home becomes uninhabitable after a covered loss.

How MANN & GRAY Insurance Associates Supports Coastal Homeowners

Our team specializes in helping coastal property owners find the right insurance solutions for their needs. We can offer guidance on:

• Coastal property insurance tailored to local risks
• Flood insurance options, including coverage for properties in high-risk zones
• Windstorm coverage to address damage from hurricanes and severe storms
• Policy reviews to identify gaps and recommend improvements

Contact us today for a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.