Does home insurance cover hurricane damage in Mobile?

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Quick answer: Home insurance generally covers wind damage from a hurricane, but not the flood or storm-surge damage, which needs separate flood insurance. Many coastal Alabama policies also apply a separate, higher wind or hurricane deductible. Reading your policy's deductible and exclusions for wind and flood is the way to know what applies.

Home insurance generally covers wind damage from a hurricane, but not the flood or storm-surge damage, which needs separate flood insurance. Many coastal Alabama policies also apply a separate, higher wind or hurricane deductible. Reading your policy's deductible and exclusions for wind and flood is the way to know what applies.