What will your insurance pay if your home is damaged by a hurricane? [Video]

Idalia’s storm surge flooded Linda and Dan Edgington’s entire home. The couple describes their losses as devastating. But they say dealing with the damage was just the beginning.

The Edgingtons figured their belongings would be covered by their flood and homeowner policies. They were wrong. Hurricanes may cause floods, but property insurance doesn’t cover anything related to rising water.

The couple’s flood policy did not include content coverage, so they spent their savings refurnishing the home.

Karyn Seibert, owner of the Seibert Insurance Agency in Tampa, said your homeowner’s policy covers wind and water damage that comes from above, like roof leaks. She’s reminding all her clients that now is the time to figure out their policy’s limits.

Also, conduct a home inventory and take pictures of your possessions, including furniture, clothing, and electronics. That way, if these items are destroyed, you can prove what you once owned and include …