What Does My Insurance Cover?
There is no such thing as hurricane insurance. Homeowner’s insurance usually covers wind damage, while flood insurance is a separately purchased coverage. What is covered by a standard homeowner’s policy differs by state, so make sure you know the insurance rules in your state.
For example, in Florida, a standard homeowner’s policy often covers wind damage, so if your roof or siding is damaged by the wind, that damage will be covered. However, it is important to note that there is a special deductible for hurricane damage in some states. This deductible is a fixed percentage based on the amount of the insurance policy. It must be met before the insurance company will start to pay for the damage. It is usually higher than your typical deductible, although you can reduce that deductible with certain additional payments.
Insurance companies will know that you are vulnerable after a storm. They will know that you have timely paid your premiums, month after month, and so you absolutely expect that the insurance company will promptly respond with investigation and payment. Tragically, the data shows this not to always be the case. Indeed, we have seen in thousands of cases that insurance companies have repeatedly delayed making full payments to individuals and making less than full offers. We have repeatedly shown – with statistical, proven data – that the key to securing the best chance to receive the most money is to hire an experienced lawyer immediately. Not just any lawyer who claims they have handled property damage cases. Lawyers that have been involved with thousands of cases, and used to work for the insurance companies.