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What Hurricane Insurance Does and Does Not Cover?

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What Hurricane Insurance Does and Does Not Cover?

Storm and Water DamageUnderstanding your hurricane insurance could help you to save money and get access to the right level of coverage based off of your risk. Understanding the type of hurricane insurance that you need and what your current insurance can cover can be very important to preventing a serious expense. Hurricane deductibles can work somewhat differently from traditional insurance. In this article, we will cover some of the basics of hurricane insurance.

Hurricane Deductibles

Hurricane deductibles for insurance can deliver up to $500 in damages or a certain percentage of the insurance bill. Deductibles could go upwards of 10% meaning that you could be on the hook for $20,000 if you get a $200,000 bill after a hurricane. Understanding your deductible and the coverage that you are able to acquire can be very important.

Not Covered

Standard policy may not cover the overall cost of bringing your home up to code. The overall cost of repairs might just make sure that your home is structurally sound. Other various exclusions include areas like your pool enclosures, your car port and auxiliary structures to your home.

A Right to Repair

Certain insurance coverage also comes with a right to repair clause. This is a clause that allows the insurance company to simply cut you a check to repair the home based off of the estimated amount of work. This could mean, you end up having a get a quote and seek out the ideal company to do the labor.

In the end, it comes down to education with your insurance policy. The best course of action is to take out the policy that you have currently and read it closely. Make sure that you understand each element of that policy so that you can be confident in the level of coverage you have should the worst happen.

Call us today for a free consultation!

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