2026 Hurricane Season
Water Damage Response Hub

2026 Hurricane Season — Water Damage FAQ

When is the 2026 Atlantic hurricane season?

The Atlantic hurricane season officially runs June 1 through November 30, 2026, with peak activity historically between mid-August and mid-October. The most damaging U.S. landfalls — Harvey, Ian, Ida, Katrina — all occurred in that peak window. If you live in a coastal state, your preparation should be complete before mid-August.

Does homeowners insurance cover hurricane flood damage?

No — this is the most expensive misunderstanding in hurricane recovery. Standard homeowners policies cover wind damage (with a separate hurricane deductible in most coastal states) but exclude flood damage, including storm surge and rising rainwater. Flood coverage requires a separate NFIP or private flood policy, and NFIP policies have a 30-day waiting period — you cannot buy coverage when a storm is already named.

What should I do about water damage immediately after a hurricane?

Wait for the official all-clear, then: (1) photograph and video all damage before touching anything, (2) treat all floodwater as Category 3 contaminated — it carries sewage, chemicals, and debris, (3) call a certified restoration company immediately since mold colonizes within 24–48 hours in post-storm humidity, (4) file your insurance claim the same day, and (5) never sign an Assignment of Benefits (AOB) agreement from a door-knocking contractor without reading your policy.

How much does hurricane water damage restoration cost?

Post-hurricane restoration typically runs $5,000–$25,000+ for flooded single-family homes because storm surge and rising water are Category 3 events requiring full decontamination, not just drying. Costs spike after major storms due to demand. Documented losses from a named storm are handled through your flood policy (if you have one) — restoration contractors experienced with NFIP claims can bill the insurer directly.

How do I avoid contractor scams after a hurricane?

Storm chasers follow hurricanes. Red flags: they arrived unsolicited, demand cash upfront, can't show a state license number, pressure you to sign an AOB immediately, or have out-of-state plates and no local address. Verify every contractor's license at your state's official portal before signing — we maintain free searchable license directories for licensed states.