Hurricane Ian has created historic amounts of damage in Florida. How much can homeowners' insurance help in a natural disaster? For starters, it typically depends on the disaster. Standard policies cover damage from many calamities, but a handful does not and require separate coverage for protection. Even if your insurance covers the destruction, it may not be enough. Many homeowners simply do not have adequate protection to cover all their losses. And, because of a tax reform law, uninsured losses can only be deducted in specific cases. #hurricaneian #florida