Homeowners in coastal and hurricane-prone areas face higher risks of exclusions for windstorm damage, requiring additional policies or endorsements. Flooding and sewer backups, common during severe storms, are generally excluded from standard coverage, leaving homeowners vulnerable to significant out-of-pocket expenses. Separate storm deductibles, which can range from 1% to 10% of the insured home's value, may also increase financial burdens. Without proper coverage, homeowners may struggle to recover from damages caused by hurricanes, tornadoes, or other severe weather events.