Are Hurricanes covered under Sola policies?

Hurricanes are generally not covered under typical Sola insurance policies. This is often due to the high risk associated with such natural disasters, making them a significant financial exposure for insurers. By not including coverage for hurricanes, these policies help mitigate the potential for large-scale claims that could financially impact the insurance provider. Some insurance products may offer optional endorsements or separate policies specifically addressing natural disasters; however, standard coverage typically excludes hurricanes outright. Understanding this limitation is crucial for policyholders to ensure they have adequate coverage for disaster-related incidents, which may require additional planning or different insurance products specifically designed for such events.