With everything else going on in our Nation, State and in our lives right now, no one wants to think about the “what if” a Hurricane was to hit my neighborhood this Hurricane season.
Unfortunately, it’s a realism that we as homeowner’s in Florida need to be concern about. Especially this 2020 hurricane season.
First & Foremost: READ YOUR POLICY NOW, NOT DURING OR AFTER A HURRICANE!
Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It’s important to read your home insurance policy or contact your agent to learn if and how your home’s structure, as well as your belongings, may be covered against hurricane winds.
Be sure to review the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home. Read your insurance policy carefully to learn what it does and does not cover, and contact your local agent with questions or to discuss your insurance needs.
If your policy does offer coverage for wind damage, you may find that it includes a separate hurricane deductible that is higher than your standard deductible.
Do not let this higher hurricane deductible stop you from reporting your damages to your insurance company immediately after the Hurricane. As a Licensed Public Adjuster for Cavalry Public Adjusters, LLC in the State of Florida; I have seen Hurricane deductibles higher than $30,000.00 and we have settled claims for hundreds of thousands of dollars.
If you are not sure if your property damages warrants claim reporting, a good idea is to contact an expert Public Adjuster like the experts of Cavalry Public Adjusters to conduct a FREE damage assessment of your property and review and discuss your policy and options.