Hurricane Damage? Some Things to Review On Homeowners Policy to Determine Whether You Have Hurricane Coverage…

Homeowners throughout the state know how stressful it can be to get adequate coverage for their properties. Although hurricane season is still a few months away, it is a good time to review your policy to ensure that you have sufficient coverage should a natural disaster occur. Below we will discuss a few things you should review on your policy to determine whether you have the right hurricane coverage.

Coverage In Your Homeowner’s Policy

Whether you rent or own, you should be aware that your policy likely includes an addendum for weather-related incidents. How can this affect you? In many cases, this means that your policy will typically offer coverage for wind, hail, and fire damage. However, these policies often leave out flood damage and flooding tends to cause the most damage following a hurricane.

You may need to purchase an additional policy to ensure that all potential damages are covered should there be a hurricane. Be sure to review the coverage offered to you as the ideal policy will also cover comprehensive replacement expenses such as tree removal and roof repair. If these are not offered in your policy, you can either shop around or purchase additional coverage.

Understanding Your Policy Is Important

You don’t want to find out your insurance policy was not adequate after the hurricane hits. Take the time to thoroughly review your policy so that you can understand your level of coverage. Have your insurance agent write down what is and is not included in your policy. In doing so, you will have a safeguard should your insurance company start looking for loopholes when you file a claim.

Speak With An Experienced Storm Damage And Insurance Lawyer

If you have any questions about hiring contractors to perform repairs after a storm, consider speaking with a knowledgeable lawyer. Attorneys can help you understand your legal rights, options, and provide tips for hiring contractors after the storm. The insurance company may delay owed payment, devalue the damages even if appropriately documented, or deny your claim without a sound reason. If this happens, you can take legal action.


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