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Insurance typically covers some, but not all, damage

As Tropical Storms Marco and Laura barrel toward Louisiana, you may wonder how well your homeowners or renters insurance will hold up in a natural disaster.



a group of stuffed animals sitting on a tree branch: A flooded area and a downed tree caused by Tropical Storm Laura in Salinas, Puerto Rico.


© Ricardo Arduengo, AFP via Getty Images
A flooded area and a downed tree caused by Tropical Storm Laura in Salinas, Puerto Rico.

The answer largely depends on the disaster. Damage from many calamities are covered by a standard policy, but a handful are not and require separate coverage for protection.

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Even if your insurance covers the peril, it may not be enough. Many homeowners and renters don’t have adequate protection to cover all their losses. And, because of a  change in the tax law, uninsured losses can only be deducted in specific cases.

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