The "Wind vs. Water" Trap Hurricane season brings a unique kind of anxiety to homeowners. Beyond the physical danger, the financial aftermath can be devastating. A common misconception is that a standard Homeowners Insurance policy covers all hurricane damage. This is false. The most critical distinction in insurance law is between "Wind" (usually covered) and "Water" (usually excluded). Before you file a claim, you need to identify exactly what type of damage your home has suffered. Here are the 5 most common types of hurricane damage and how insurance typically treats them.