Why split the loss?
Standard homeowner policies exclude flood, including storm surge. Wind and wind-driven rain damage may be covered by the homeowner policy, while rising water is covered, if at all, by a separate flood policy. Organizing the loss by cause before you meet either adjuster helps each claim go to the right place.
How it works
- Tag each item as wind, flood or mixed. For mixed items, enter the share you attribute to wind.
- The homeowner portion uses the hurricane deductible if you choose one, otherwise your standard deductible.
- The flood portion uses the flood policy deductible you enter.
A caution
This is an organizing tool, not a coverage decision. Insurers and adjusters decide causation, and disputes about the cause of damage can fall outside appraisal. Flood policy limits and contents coverage are not modeled. Figures are illustrative.
Questions about this tool
Who decides whether damage was caused by wind or flood?
Each insurer investigates causation under its own policy. If the two disagree, a Rhode Island attorney can explain your options.
Does the National Flood Insurance Program have appraisal?
NFIP policies contain their own appraisal provision with specific rules, separate from your homeowner policy.
Why is the hurricane deductible so large here?
Because it’s a percentage of dwelling coverage, not of the loss. Use the hurricane deductible calculator to see the dollar figure.